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Robo-Advisors vs. Human Advisors: If an investor chooses a non-human financial advisor, what price could they end up paying?

Provided by Clayton K. Shum

 

Investors have a choice today that they did not have a decade ago. They can seek investing and retirement planning guidance from a human financial advisor or put their invested assets in the hands of a robo-advisor – a software program that maintains their portfolio.

The A, B, C, & D of Medicare Breaking down the basics & what each part covers

Provided by Clayton K. Shum

 

Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover, and where they come from.

     

Could You Improve Your Personal Finances Today?

Could You Improve Your Personal Finances Today?

Simple decisions & new habits might lead you toward a better financial future.

Provided by Clayton Shum

In life, there are times when simple decisions can have a profound impact. The same holds true when it comes to personal finance. Here are some simple choices you could make that may leave you better off financially – in the near term, the long-term, or both.

Do Our Attitudes About Money Help or Hurt Us?

Do Our Attitudes About Money Help or Hurt Us?

We may need to change them to better our financial prospects.

5 Tips to Prevent Identity Theft

Dear Friends,

Many of my clients have expressed concern about the recent rise in identity thefts. If you’re concerned, here are some steps you can take to help defend yourself.

Do You Have A Retirement Savings Plan?

Do You Have A Retirement Savings Plan?

Without such strategies, Retirees can risk going through their savings too fast.

Provided by Clayton Shum

Every day, articles appear urging people to save for retirement. These articles are so prevalent that it may seem like retirement planning is entirely about getting people to save.

Actually, retirement planning concerns much more than that. It has another aspect well worth discussing: the eventual spending of all of that money that has been accumulated.

Too few Americans coordinate their retirement spending. Earlier this year, Ameriprise asked more than 1,300 savers aged 55-75 if they had a drawdown strategy in mind for the future. Nearly two-thirds of the pre-retirees surveyed did not. A third of the retired respondents to the survey also lacked spending plans.1

Your Annual Financial To-Do List

Your Annual Financial To-Do List

Things you can do before & for 2017.

Provided by Clayton Shum

 

What Expenses Could Change When You Retire?

What Expenses Could Change When You Retire?

Some costs could rise, fall or even disappear.

Provided by Clayton Shum

  

Your retirement may seem near at hand or far away, but one thing is certain: your future will differ from your present.

Financially, that fact is worth remembering. Some of the costs you have paid regularly all these years may suddenly decrease or fade away. Others may increase.

 

Happy October!

Dear Friends,

October is one of my favorite months of the year.  Seeing the world explode into new and interesting colors, smelling the crisp autumn air, and hearing the crackle of leaves beneath my feet are just a few of the sensations October brings.  We may get old, but the pleasures of the season never do.

Moving Into a Nursing Home Facility

Moving Into a Nursing Home Facility

What you and your loved ones need to know.

Provided by Clayton Shum

 

At some point, someone you love may make the transition from living at home to residing at an assisted-living facility or nursing home. When should that transition occur, and what factors must be considered along the way? And what don’t these facilities tell you?

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