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Financial Exploitation

Experts agree that financial exploitation of older people is a problem that is growing as America ages, and that it is significantly underreported.  While some high-profile examples have been widely reported, financial exploitation tends to be a hidden crime and, within families, victims don’t want to prosecute. AARP recently published an article by John Rosengren […]

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Should Retirement Be An Age or Financial Decision?

Historically, investors have tended to plan and save for retirement with a specific age in mind, often 65.  An age based strategy used to make sense as, in many cases, it was driven by the timing of pension benefits and the start of Medicare and full Social Security eligibility. Now that defined benefit pension plans […]

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Living to 100

It is beginning to appear that life expectancy approaching 100 years may be a realistic premise.  This raises some key questions, of which perhaps the most important is, “can you afford to live to 100?” We are all probably familiar with the quote, “if I’d known I was going to live this long, I would […]

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Increasing Transparency: How Communication Leads to Portfolio Efficacy

It is hard to come to terms with one’s own mortality.  In an ideal world, everyone would live to be 100 years old and die peacefully in their sleep. Unfortunately, life surprises us with many unpleasant things.  At Sigma, we try to prepare our clients for the future.  However, we are only as good as […]

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Best Price/Best Experience?

It is probably difficult to overstate the importance of financial prudence and personal responsibility.  We were well advised regarding the importance and practicality of not paying more than absolutely necessary in the book “The Millionaire Next Door: The Surprising Secrets of America’s Wealthy”, by Thomas J. Stanley and William D. Danko. However, there are times […]

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The Financial Pitfalls of Living “Large”

It’s not a news flash that saving money is hard, really hard.  There is plenty of advice around with a wide variety of suggestions.  Anything you do to cut back can help.  However, the biggest opportunity may lie with your biggest, overall, long term expense, your residence. Some things to consider.  How much home do […]

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