Student Loans Change Debt Load Landscape for Millennials and Seniors Alike

Student Loans Change Debt Load Landscape for Millennials and Seniors Alike Over the past decade, debt loads have morphed, and more and more consumers – including older generations – are becoming burdened in one way or another by student loan debt....

Is the 4% Rule Still Applicable to Retirees Today?

Is the 4% Rule Still Applicable to Retirees Today? Since the 1990s, many investors and financial advisors have been drawn to a so-called “4 percent rule”, which purports that a retired individual should never run out of money so long as he withdraws...

Charles Schwab Report Busts Nine Myths of Retirement Planning

Charles Schwab Report Busts Nine Myths of Retirement Planning   Misconceptions, misinformation and miscommunication are prevalent when it comes to retirement planning. Planning for retirement can be a stressful ordeal already, particularly for those...

Seniors report losing $30,000 to financial scams

Seniors report losing $30,000 to financial scams Retirement planners work hard throughout their lives in order to secure comfortable, risk-free retirements. Part of this savings and investment process includes designing diverse investment portfolios...

Big Changes Afoot for Social Security in 2015

Big Changes Afoot for Social Security in 2015  As 2014 draws to a close, retirees and retirement planners everywhere are looking ahead to plan for the new year on the horizon. In late October, the Social Security Administration announced a few big...

CalPERS liquidates hedge fund portfolio, makes waves in the investment community

CalPERS liquidates hedge fund portfolio, makes waves in the investment community   The California Public Employees Retirement System (CalPERS), America’s largest pension fund, announced in September that it will be divesting all $4 billion of its...

MyRA: The new “starter” IRA

MyRA: The new “starter” IRA  For many Americans, employer-sponsored retirement savings plans, such as 401(k)s, are simply not an available option for them. Whether because they are part-time, hourly, self-employed or simply don’t receive benefits...

Congressional Savings Reform May Affect Your IRA

Congressional Savings Reform May Affect Your IRA Recent news from Capitol Hill may require some investors to rethink their retirement savings plan. In a recent Finance Committee hearing on retirement savings reform, members of Congress discussed a...

Health is the key to a comfortable retirement, but retirees aren’t prepared for the cost

Health is the key to a comfortable retirement, but retirees aren’t prepared for the cost   Health, financial security, friends, family, and purpose are all key factors that can influence a person’s happiness during retirement. The presence or...

Physical and Financial Health Go Hand in Hand

Physical and Financial Health Go Hand in Hand Generally, good health indicators involve factors such as diet, exercise, sleep patterns, and tobacco use.  Focusing on these direct, physical measurements of health is often the only way predictions are...

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The FMB Advisors Blog

Giving Thanks and Making an Impact

11/26/19 As you gather around the table with loved ones on Thanksgiving and talk about what you are thankful for, do you sometimes wonder how you might share your abundance in the most impactful way?  Does your family have a charitable mission...

More Frightening than Halloween

10/22/19 As the leaves begin to turn and fall is in the air, there is another change that seems to be a common occurrence...this is also the time of year when many couples decide to divorce.  While we hope you never have to experience this life...

The Flat-Out Truth

What is a yield curve, and why are stock investors interested in its shape? 8/20/19 A yield curve gives a snapshot of how yields vary across bonds of similar credit quality, but different maturities, at a specific point in time. For example, the US...

Wealth and Health

2/8/19 A Four Part Series for Multigenerational Investors on the Relationship Between Your Health and Your Wealth Chapter 1 – More of BOTH is Better! “Early to bed and early to rise keeps a man healthy, wealthy and wise”    Ben Franklin   “...

An Evidence-Based Approach to Sustainable Investing

7/19/18 Part I: Setting the Sustainable Stage                              If there’s one trait most of us share, it’s a desire to make the world a better place. No wonder there’s so much interest in sustainable investing. Who wouldn’t want to try...