risk management

Spotlight on Disability Income Insurance

The worst day in many people’s lives is the day they have a life-changing accident, or the day a doctor confirms the diagnosis of a challenging illness or disease.

The "Fragile Decade" of Your Retirement

Some call it the “fragile decade,” that first 10 years of retirement when market movements can have a profound effect on a portfolio’s ability to sustain income and financial security for the years ahead.  It has a lot to do with the sequencing of returns. 

Prepare for the Bear, Whenever It Arrives

Legendary investor Sir John Templeton often reminded investors that bear markets are inevitable, and nobody can reliably predict their depth or duration. The current run for U.S. stocks is well past the av­erage bull market’s life of just over four years. As of this writing, the S&P 500 Index set a new all-time high.

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