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What is Your Theme for 2017?

As I look back at this year one can focus on so many things. The Cubs won the World Series, Social Security claiming options underwent dramatic changes, interest rates hit an all-time low before rising dramatically since the election, and many were surprised by the outcomes from November’s election (not just the presidency). The stock market dropped dramatically early in the year and then rallied to new all-time highs in December. We had the British vote to leave the European Union (Brexit) and now several other European countries are considering leaving the Union. There were Olympics in Rio that surprised many by going off without the major catastrophe that many were expecting. All in all, this was a year of extremes.

What is Your Theme for 2017? Read More »

2016-election-results

The Election is Over, What Does that Mean for My Finances?

Whether you were a Trump or Clinton supporter, the outcome of this election may have raised questions in your mind about what might be the effect on your investments and the markets, and the economy in general. My email box is filling up with white papers, webinars, commentary and other communications about what to expect next, how the markets will be moved and who the winners and losers will be under a Trump administration. Some people are screaming to buy certain sectors that will win and to sell other investments that will lose. Gold is going to go way up…or actually go way down. Interest rates will rise, or maybe they will drop in a “flight to safety.”

The Election is Over, What Does that Mean for My Finances? Read More »

cubs-win

Retirement Lessons We Can Learn from the Cubs

As I sit here and reflect on the Cubs historic World Series win, I find myself still wondering “Did that really happen?” I was born and raised in the Chicago area. I would run home from school just to see the end of that day’s Cubs game on WGN, the local TV station. The Cubs were lousy and I was also a fan of the White Sox (hey, they made it to the World Series in 1959!), but there was something about the ballpark, sunshine and those old fashioned pinstripe uniforms that made them my favorite.

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mutual-funds

How to Understand What is in Your Mutual Funds Account

Mutual Funds are one of the most popular tools in use today for people who want to invest. They are convenient, liquid, professionally managed, diversified and perceived as “simple.” While much of that can be true, do you understand what the cost is for that convenience? For that matter, do you have any idea what you are actually investing in?

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personal-independence-day

Celebrate Your Personal Independence Day

I hope you enjoyed your Independence Day holiday. As I was tending the barbecue and getting ready for our guests to come and celebrate the holiday with us, I started thinking about Independence Day and what it represented. Even though we like to barbecue, get together with friends and of course, see fireworks, there is a lot more to Independence Day than that. It is our nation’s birthday, the day we stopped being controlled by the British, the day we tangibly celebrate the right to control our own decisions about our future! We celebrate our right to envision, plan, and create the future that we aspire to.

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stock-market-crash

Are You Prepared for the Upcoming Market Drop?

So what was your answer? Are you ready? Wall Street has conditioned a huge segment of the investing public to think, “I am a long term investor, I will just ride out the correction, the market always comes back”. In today’s post, I would like to cut through some of the myths and misinformation that are widely accepted as true, but can create huge losses with little to no warning.

Are You Prepared for the Upcoming Market Drop? Read More »

retire-happy-colorized

What Does it Take to be Happy in Retirement?

Here at Gainer Financial and Insurance Services, Inc. we are dedicated to helping our clients create and enjoy a happy, fulfilling, and successful retirement for themselves. We help you eliminate the question marks in your life that could destroy that security and enjoyment. From wealth building to legacy planning there are a laundry list of issues that must be considered and planned for in order to enjoy that kind of worry free retirement.

What Does it Take to be Happy in Retirement? Read More »

pennies

How to Have More Money When You Retire

In my last article, I talked about upcoming changes in the Social Security laws and how that would change the options available to folks as they claim their benefits. Now that some of these changes have occurred, it is time to revisit this topic. In many ways, social security claiming strategies are now more important than ever. Understanding your options and coordinating a claiming strategy with your overall income planning can be the difference in running out of money and not, in retirement.

How to Have More Money When You Retire Read More »

social-security-retirement-plan

Do You Have a Plan to Maximize Social Security?

When it comes to Social Security benefits, most people don’t spend much time making a plan to get the maximum benefit available. As a result, the great majority of people are losing up to hundreds of thousands in benefits over the remainder of their lives. I hear the excuses all the time; “they (Social Security) are going to run out of money, so I better get it while I can”, or; “if I don’t collect early, I won’t break even until I am 77”, or my personal favorite, “I don’t feel like working any more.” Excuses like those are not part of an effective social security strategy to help you claim more money.

Do You Have a Plan to Maximize Social Security? Read More »

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