How Much Risk Do You Need To Take?

How Much Risk Do You Need To Take?


Figuring out how much risk to take in a portfolio can seem like a simple calculation, but for most people, emotions tend to make the process more challenging. On the surface, we all know risk is a necessary component of investing, but finding the right amount of risk to achieve our goals is more complicated than just picking a number between one and ten.

There are many factors that determine how risky an investment is. (more…)

Merriman’s Guide to Social Security and Medicare

Merriman’s Guide to Social Security and Medicare

An important part of helping clients achieve their financial goals is helping them navigate questions and decisions around Social Security and Medicare. Whether it’s deciding when to start Social Security or applying for supplemental Medicare coverage, these decisions have a big impact on your financial situation and wellbeing.

This book is broken up into two parts, as Social Security and Medicare are complex topics. The first covers Social Security and strategies. The second part covers the ins and outs of Medicare and all its various plans.

We hope you discover strategies and new things that will help you make the best decisions for your situation. As always, we’re here to help and answer any questions you may have.

 

Did You Know You Have Options When It Comes to Long-Term Care Insurance?

Did You Know You Have Options When It Comes to Long-Term Care Insurance?

For most people, a successful retirement means finding a way to ensure their money outlasts them. Achieving this goal is usually done by saving enough money and then creating a practical and sustainable budget. Unexpected and unplanned costs can jeopardize this, so it’s important to have the right insurance to provide protection against the unknown. One type that’s changed in recent years is long-term care insurance (LTCi). There are different LTCi options available today, and it can seem overwhelming when trying to find the right fit. This article introduces the different types of LTCi. (more…)

Merriman’s Take | The Role of Bonds

Merriman’s Take | The Role of Bonds

Stocks and bonds are the basic building blocks of our portfolio. Think of stocks as the offense and bonds as the defense. Bonds are basically loans to a government entity or company that are paid back over time. Depending on how creditworthy the borrower is and how long the borrower will take to repay the loan, bonds can be relatively safe investments, or carry more risk. The two big factors that help investors classify bonds are referred to as quality and maturity. (more…)