Conscientious Financial Planning and Retirement Income Management | 201-741-9528
from Lonier Financial Advisory LLC, Osprey, FL

Tag Archives: 401(k)s

’Tis the Season for Open Enrollment

In my last post, I listed some year-end housekeeping and tax items. It’s open enrollment season, so this post will cover items related to employer sponsored plans. Health insurance options and the ACA Top of mind this season, health insurance—many companies are replacing non-compliant health insurance plans. This may be your first time in a […]

Hope Springs Eternal

The failure of a well-known, experienced business journalist to successfully save and invest for his own retirement is boggling. You might say, without putting too fine a point on it, that the journalist, Joe Nocera of The New York Times, should have known better. He admits as much. He wrote a book, after all, back […]

Shaping a Prudent Investment Strategy

Last time we said that idle money loses value, so you need to put it to work. That’s why you invest, so your savings will grow in value over time. At today’s rates, the traditional safe methods, bank savings accounts, CDs, and money markets, offer negative real (after subtracting inflation) returns. In order to put […]

How the Financial Services Industry Sees Retirement Readiness

January 27 Market Watch Retirement Weekly quotes these large financial services company executives on the state of retirement: [list style=”orb” color=”blue”] David Deming, Dimensional Retirement (Dimensional Funds): “First, we need to move the eligible age for Social Security payments to 69…Another beneficial change would be to alter the current  [FICA taxable] income limits from $100,000 to […]