Managing Financial Stress

“When this is all over, what will I wish I had done?” 

Dear friends of Eddy and Clayton,

 

Four things others will wish they had done – that we’re already doing! 

 

I hope this letter finds you well – and especially, healthy! 

 

Post Midterm Volatility

“A player surprised is a player half-beaten.” – Chess Proverb

The World Chess Championship is currently being played in London, and for the first time in decades, an American could be crowned as champion.

But this letter isn’t really about chess. It’s actually about the markets.

Debunking a Few Popular Retirement Myths

It seems high time to dispel some of these misconceptions.

Generalizations about money and retirement linger. Some have been around for decades, and some new clichés have recently joined their ranks. Let’s examine a few.   

The Importance of Financial Literacy

Provided by EH Shum Financial Solutions

Too few Americans understand personal finance fundamentals.

 

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.

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.

Do Our Biases Affect Our Financial Choices?

Even the most seasoned investors are prone to their influence.

Provided by Eddy H. Shum, CFP®, MBA, CLU                                                                                                                             

Investors are routinely warned about allowing their emotions to influence their decisions.  They are less routinely cautioned about letting their preconceptions and biases color their financial choices.

Behind on Your Retirement Savings?

Provided by Eddy H. Shum, CFP®, PFS, MBA, CLU, RFC®

What steps could you take to catch up?

If life has not allowed you to build substantial retirement savings, what can you do to improve your retirement prospects? Here are some suggestions.

The New Gradual Retirement

Provided by Eddy H. Shum, CFP®, PFS, MBA, CLU, RFC®

Do we really want to retire at 65? Not according to the latest annual retirement survey from the Transamerica Center for Retirement Studies which gauges the outlook of American workers. It found that 51% of us plan to work part-time once retired. Moreover, 64% of workers 60 and older wanted to work at least a little after 65 and 18% had no intention of retiring.

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