YOUR READING LIST FOR 2018
Get Routine Checkups Keep your estate planning documents up to date by asking your wealth advisor or estate planning attorney to review your documents on an annual basis. This can help to ensure they comply with current laws and enables you to take full advantage Your Financial Well-Being Comes First Whether you have concerns about how long your income will last or are just seeking a second opinion, our wealth advisors can provide the answers you seek. Our consultative approach begins with a conversation to get to know you and understand what’s most important to you. Your wealth advisor will conduct an in-depth analysis of your existing financial situation and investment portfolio, and stress test your strategy on a regular basis to help you maintain the financial independence you seek throughout retirement. If You Loved the ‘Divergent’ Series Veronica Roth brings us a new sci-fi/fantasy series with “Carve the Mark.” Roth whisks us to a planet where each person has a “currentgift,” a special power they develop. But for heroes Cyra and Akos, currentgifts are more of a curse. The two must work to overcome their distinctly different pasts and unite to save their world — or die trying. When You Need a Hero School is tough, and no one knows it better than George Heffley. In installment 12 of the “Diary of a Wimpy Kid” series, titled “The Getaway,” Jeff Kinney takes us on a tropical vacation with the Heffleys as they attempt to escape the cold weather and frenzy of the holidays. But the island isn’t the relaxing sanctuary it’s supposed to be. The suggested reading age is 8–12 years old, but this book would make an excellent listen for the whole family during a road trip of your own. of the estate and legacy planning opportunities available to you.
C an you believe 2017 is behind us? Elections, weather, and just about everything on the news left us feeling uncertain. We could all use a dose of optimism in the new year. Here are some books that celebrate the triumph of the human spirit, even in the most challenging situations. Finding Forrest When an actor tries their hand at other creative mediums, the results are varied, but the buzz about Tom Hanks’ new book, “Uncommon Type,” has been largely positive. His literary debut is a collection of 17 short stories, all featuring, in some way, a typewriter. At their heart, though, the stories are about human relationships, and Hanks manages to inject his most memorable character’s charm into his writing. As NPR reviewer Heller McAlpin puts it, “In a world where the news is unrelentingly bleak and
much fiction tends toward the dystopian, postapocalyptic, dark, or edgy, this is a gentler, sweeter kind of storytelling than we’ve come to expect.” Overcome a Harrowing Year Few have done more to earn the title of modern-day hero than Scott Kelly, who has served as a military fighter pilot, an engineer, an astronaut, and now, an author. “Endurance” is Kelly’s memoir, and it recounts the year he spent on the International Space Station. From sharing everyday space adventures to letting us in on the physical toll space takes on the body, Kelly helps us understand what it’s really like to be in the great unknown. If you’re looking for inspiration in the new year, reading about Kelly’s harrowing year of challenges will surely give you the courage to overcome your own.
SMART RETIREMENT LIVING Today, retirement is ripe with possibilities. However you define retirement, it should offer ample time to focus on and enjoy the people and activities that mean the most to you. In order to make the most of this exciting period of your life, examine the areas of retirement listed below. lifespans are a good thing, longevity also points to the increased need for prudent and comprehensive planning during retirement to help ensure essential and nonessential lifestyle needs and expenses can be adequately supported for a possible 25 years or more. The longer you live, the longer your money needs to last. a later date as income. But risk and reward must be carefully balanced in retirement for this strategy to be effective.
Remain Flexible During the various stages of retirement, your assets may be more or less vulnerable to different retirement income challenges. For example, during the early stages of retirement, it’s critical to protect your assets from excessive market volatility and aggressive spending so you don’t diminish the value of assets needed to generate income throughout your retirement. Later in retirement, your assets are typically more vulnerable to the impact of inflation and an increase in medical expenses as you age, requiring greater emphasis on these challenging areas. Live Long and Prosper Today, retirees are healthier, more active, and expected to live longer than any previous generation. While longer
Maintain Balance None of us knows how long we will live, but managing investment risk is critical to helping ensure your investment portfolio continues to generate the income you need throughout your retirement. This requires careful monitoring of your investments over time as well as regular adjustments to ensure asset allocation is aligned with your risk tolerance and investment objectives. Monitor Risk Factors In retirement, the objective of the growth component of your investment portfolio is to generate earnings that, when added to existing principal, fuel future growth. Investment earnings, when reinvested, can be used to create a steady stream of new dollars over time that can be repurposed at
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