2024 Q1 Market Intel Report

In this video, Dave Alison, President & Founding Partner of Prosperity Capital Advisors, delivers a Q1 Market Intel Report. A lot has gone on in the global economy and the stock market. But more importantly Dave talks about what's going on in investors' minds as we look at the first quarter and what the next few months can bring.

The three major discussion themes are:

The state of the U.S. economy and what's ahead
What the start of rate cuts could mean for markets
The potential market impact of the presidential election

3 Ways Your Taxes Could Be Higher in Retirement

Have you saved enough for retirement? Have you taken into account how your taxes could impact your retirement savings? Watch this video to find out how your taxes could be higher and what you can do about it.

Driving through the desert For your retirement planning

Have you saved enough for retirement? You don't want it to be like driving through the desert and running out of gas. When it comes to retirement, you need an approach that can give you some breathing room on your journey. This video tells a story that may better help you prepare for your future in retirement.

Retirement Income and Investment Risk – Understanding the numbers in retirement

None of us like to see our investments go down, but unfortunately, it is a natural part of stock market cycles. Typically, waiting for the market to recover is the best strategy, but when we retire, the game changes a bit. In this video, Dave Alison, CFP®, EA, BPC, President & Founding Partner of Prosperity Capital Advisors, discusses retirement income and investment losses, understanding the numbers, and how The Bucket Plan® was designed with this timeframe in mind.

Retirement income and investment risk are closely related because retirement income is largely dependent on the performance of investments made during one's working years. Investment risk refers to the uncertainty or variability of returns that an investor can expect from a particular investment. The greater the investment risk, the higher the potential returns, but also the higher the potential for losses. For individuals who are nearing retirement or have already retired, investment risk becomes more significant as they have less time to recover from any losses. Therefore, retirees often seek to reduce investment risk by shifting their portfolio towards more conservative investments such as bonds or fixed-income investments, which typically offer lower potential returns but also lower risk.

Additionally, retirees often look for investment vehicles that provide guaranteed income streams, such as annuities, which can help mitigate investment risk. Annuities are insurance products that pay a guaranteed income for life or a specified period, providing a measure of certainty for retirement income. However, it's important to note that annuities also come with fees and restrictions that may impact the overall return on investment.

Overall, managing investment risk is a critical component of retirement planning, and retirees should carefully consider their risk tolerance, investment goals, and time horizon when making investment decisions to ensure that they have a stable and sustainable retirement income.

The Risk Free Rate of Return – How to Get a Better Low Risk Return on Your Cash

In this video, Dave Alison, President & Founding Partner of Prosperity Capital Advisors, explains a term in investing known as the Risk Free Rate. He shares ideas and examples of how to make your savings work harder for you by increasing your interest without increasing risk. The risk-free rate is the theoretical rate of return of an investment with zero risk. In other words, it is the minimum return that investors expect for any investment that carries no risk of financial loss. The most common measure of the risk-free rate is the yield on a U.S. Treasury security, such as a Treasury bill or a Treasury note, as these securities are considered to be virtually free of default risk. The risk-free rate is used as a benchmark for determining the required return on other investments and is an important input in financial models, such as the Capital Asset Pricing Model (CAPM).

Social Security-Part 3:  Coordinating Retirement Income

The timing of your Social Security claiming decision could cost or save you thousands of dollars. Lifetime Advisors Group will help you build and coordinate your retirement income to make your money last.

Taxes in Retirement - Part 3: Strategies to Reduce Lifetime Taxes

Tax-Efficient Retirement Workshop. Do you want to lower your tax bill? 

Our educational webinar series will help you:

1. Understand the current tax rules 

2. Identify misconceptions about your taxes in retirement

3. Utilize the tools and strategies available to middle income retirees 

4. Implement an action plan 

Social Security -Part 2:  Multiple Benefits

Before you claim your Social Security benefits early, it’s important to know the long-term impact of that decision. Check out this educational webinar series for important information on how the timing of your Social Security claiming decision can leave a lasting impact on your overall retirement strategy.

Taxes in Retirement -Part 2: Interaction Between Income Types

Don’t let taxes ruin your retirement! Check out this educational webinar series for important information on why taxes are different in retirement and ways to avoid key pitfalls in how you harvest income from various accounts.

Social Security -Part 1:  Timing is everything when it comes to claiming your benefits.

Retirement financial planning can seem intimidating, but it doesn’t have to be. Lifetime Advisors Group will help you coordinate your retirement income and make your money last longer. We are committed to making retirement planning recommendations in your best interest.

Taxes in Retirement -Part 1: Marginal Tax

Marginal Tax can impact your retirement strategy. See how each additional dollar of income effects your retirement tax bracket.

Free Retirement Guide

It's never too soon to start preparing for retirement. But do you know what to look out for? Download our free ebook, "Retire Happy: A Simple Guide to Your Next Big Adventure."

Thank you! Oops!