Remember way back to your first paycheck. The moment you open the envelope anticipating the windfall when all your hard work pays off. Then, like a swift kick to your gut, realty hits. Your takeaway earnings are almost always way lower than what you expected.

NOTE: Areas with blue text show the most recent market updates since the December Capital Highlights email.

By Kevin Chambers

Since 2008, interest rates around the world have been kept incredibly low by governments and central banks. In the US, interest rates have been inching up the last couple of years. Globally, interest rates in the developed world are still very low, and in some countries have remained negative.

How to Avoid Retirement Woes

Submitted by Kate Hennessy on April 18, 2019

As I get older, I’ve become more curious about Social Security.  I’m in my mid 40s and I have been paying into the system since high school. Hopefully, I’m 20+ years out from claiming benefits but  given how fast life goes by, it’s never too early to start thinking about and planning for Social Security. It’s a topic that many people shy away from, but in planning for your financial future, it’s an income stream that needs to be accounted for in a financial plan.

To kick off our series of articles on this topic, I am starting with 5 myths about Social Security:

By Michael D. Karstens, CFP, AIFA

Last January we wrote the following:

If you have anxiety about outliving your retirement savings, you have company. Roughly 37 percent of current retirees say outliving their money is a big worry.