Articles for tag: Bitcoin, Bonds, Healthcare, Investing, Markets, Retirement

May 3, 2024

Ron Finklestien

6 Reasons To Own Bitcoin In Retirement

Originally published on Unchained.com. Unchained is the official US Collaborative Custody partner of Bitcoin Magazine and an integral sponsor of related content published through Bitcoin Magazine. For more information on services offered, custody products, and the relationship between Unchained and Bitcoin Magazine, please visit our website.  For newcomers, especially those in and around retirement age, the idea of investing in or owning bitcoin can evoke reactions from skepticism to disbelief. If you look beyond the popular narratives, however, you might find there is more to the story than first impressions suggest. Here are six reasons to consider owning at least

May 2, 2024

Ron Finklestien

I’m 65 and Retiring Soon. How Should I Structure My $1.1 Million Portfolio?

Your financial objectives and risk tolerance will primarily dictate how you structure your portfolio. But you’ll also want to consider taxes and fees, your potential lifespan, need for long-term care and desire to leave an inheritance behind. A financial advisor can help you identify the right portfolio construction strategy for your situation. Connect with a fiduciary advisor today. Many people who are approaching retirement adopt a bucket structure designed to fund their short-, intermediate- and long-term objectives with a mix of cash, stocks and bonds. You can also choose from traditional asset allocation, core-and-satellite and other approaches. Portfolio Structure Considerations

March 22, 2024

Ron Finklestien

Strategizing for a Financial Legacy: Navigating Retirement Finance at 75 with $900,000 in an IRA

Embarking on the treacherous journey of securing everlasting financial stability during retirement can oftentimes resemble a perilous balancing act—juggling the delicate dance between income and expenses over the anticipated timeline of your existence. But envision, for a fleeting moment, that you are graced with a princely sum of $900,000 resting comfortably in an IRA. You now stand at a crossroads, contemplating not merely how to preserve your wealth for yourself, but also the idea of leaving a fiscal legacy, a whisper of prosperity resonating through the corridors of time. Navigating the Turbulent Seas of Income and Expenses Behold—the bulwark of

February 19, 2024

Ron Finklestien

Maximizing a Nest Egg: Strategies for Retirees With Limited Savings and Social Security

It’s a predicament retired couples often face: a modest $200,000 in savings and Social Security as a financial safety net. For such individuals, managing this sum efficiently becomes a matter of finding the delicate balance between contentment and frugality. But fear not, there are several strategies that can help these retirees stretch their finances over the golden years. Seeking guidance from a financial advisor can provide invaluable insights, steering your retirement ship to calmer waters. Connect with a fiduciary advisor today. Retirees must navigate through the fiscal straits, employing financial acrobatics to bolster their portfolio, while also considering part-time employment

February 14, 2024

Ron Finklestien

Retirement Investment Advice: The 60/40 Portfolio Decision Retirement Investment Advice: The 60/40 Portfolio Decision

I am 73 and my wife is 70 with one son. We have $235,000 in a savings account and we each have $250,000 in Roth IRAs. We also have $1.675 million in a brokerage account and $1.55 million in a 401(k). Everything other than the two Roths are invested solely in stocks and the two Roths are 60% stocks and 40% bonds. With Social Security and pensions, our monthly income is $11,000 and we save about $3,800 monthly. Should we change our brokerage and 401(k) accounts to a 60/40 mix and move some of our savings to money market accounts

February 2, 2024

Ron Finklestien

Toyota’s Q3 Earnings on the Horizon: A Lens into the Future

The Stage is Set Toyota Motor Corporation (TM) is preparing to unveil its third-quarter fiscal 2024 results on February 6. The stakes are high as market analysts anticipate the company to report earnings of $3.66 per share and revenues of $73.72 billion for the quarter. This comes off the back of a 6.59% projected year-over-year rise in revenues, reflecting the growing optimism about Toyota’s performance. Recent Performances In the second quarter of fiscal 2024, Toyota experienced a remarkable resurgence, delivering adjusted quarterly earnings of $6.54 per share, comfortably surpassing the Zacks Consensus Estimate of $3.34. The company’s revenues of $79.1