Over the past six months or so, many people have started to notice prices rising across the economy. Whether it be the housing market, cost of lumber, gas prices, or the cost of groceries, a dollar doesn’t go as far as it did a year ago. While current inflation can seem drastic when comparing it… Read more »
Author: Marybeth Rose
Using Annuities to Increase Predictable Income in Retirement
Posted by Marybeth Rose & filed under Newsletter.
The management of a distribution portfolio is unique and should be designed differently from the management of an accumulation portfolio. However, complex distribution planning is still a developing area within the arena of Financial Planning. After focusing much of your investment lifetime on maximizing wealth accumulation through contributions and rates of return, your attention must… Read more »
Working While Collecting Social Security Benefits
Posted by Marybeth Rose & filed under Newsletter.
Yes, you can collect Social Security benefits while working. However, depending on your age, there are some important caveats to keep in mind. Your earned income could reduce the amount of your Social Security benefits if you are younger than your full retirement age (FRA); the age at which you qualify to collect 100% of… Read more »
Congrats Dan!
Posted by Marybeth Rose & filed under Newsletter.
We would like to wish a very special “Congratulations” to Dan and Jill Byles-Smith on the safe arrival of a new addition to their family! Emily was born June 16, 2021 weighing 6 lbs. 5 oz. and measuring 20 inches long. Both Jill and baby Emily are doing very well. Dan and Jill are happy… Read more »
HEART For Animals
Posted by Marybeth Rose & filed under Newsletter.
This summer, Waterford is helping HEART Animal Rescue curb kitten overpopulation by donating to cover spaying and neutering fees for cats in their care. Millions of healthy, adoptable animals are euthanized simply because there are not enough homes for them. Spaying or neutering your pets is the most effective way to reduce the vast number… Read more »
Weekly Market Commentary July 14, 2021
Posted by Marybeth Rose & filed under Weekly Market Commentary.
The Markets There was a gapers’ block in financial markets last week as equity investors slowed to see what the United States Treasury bond market was up to. U.S. Treasury bonds rallied last week. Yields on 10-year Treasuries dropped from 1.43 percent at the start of the week to 1.27 percent on Thursday. The rally… Read more »
Weekly Market Commentary July 7, 2021
Posted by Marybeth Rose & filed under Weekly Market Commentary.
The Markets The world is about halfway back to normal. The Economist developed the Global Normalcy Index (GNI) to measure the post-pandemic return to normal. In March 2020, the GNI was 35 overall, with 100 being the normal pre-pandemic level. At the end of the second quarter, the worldwide GNI was 66, or about halfway… Read more »
Weekly Market Commentary June 23, 2021
Posted by Marybeth Rose & filed under Weekly Market Commentary.
The Markets Is that a hawk? The Federal Reserve Open Market Committee (FOMC) met last week. They get together eight times a year to review current economic and financial conditions, assess risks to price stability and economic growth, and adjust monetary policy accordingly. When the Federal Reserve raises the fed funds rate to keep… Read more »
Weekly Market Commentary June 16, 2021
Posted by Marybeth Rose & filed under Weekly Market Commentary.
The Markets It’s transitory. It’s not transitory. It’s transitory. It’s not transitory. Media analysts were plucking the inflation daisy petals last week. On Thursday, the Bureau of Labor Statistics released the Consumer Price Index Summary, which showed prices were up 5 percent year-to-year. “Investors are debating whether the surge in prices at both a producer… Read more »
Welcoming Sam to the Waterford Team
Posted by Marybeth Rose & filed under Newsletter.
Please join us in welcoming Samantha Thomas to our firm as a full-time Junior Planner! Sam graduated in May from the University at Buffalo with her Bachelor of Science in Business Administration with a concentration in Financial Analysis. She will be assisting our Financial Planning and Tax Departments with meeting preparation and follow up, data… Read more »