by Joe Allaria CFP®, MBA | Dec 20, 2024 | Article, Estate Planning, Risk Management
Term vs. Whole Life Insurance Key Takeaways: Term life insurance is typically far less expensive and covers you for a fixed period — ideal if you want affordable protection during years with major financial obligations. Whole life insurance costs more but provides...
by Joe Allaria CFP®, MBA | Oct 16, 2024 | Article, Estate Planning, Risk Management
How Much Life Insurance Do I Need? Key Takeaway:You should base how much life-insurance you need on what your death benefit must cover — debts (like mortgage or loans), future expenses (children’s education, etc.), and income replacement for loved ones — so total up...
by Joe Allaria CFP®, MBA | Aug 23, 2024 | Article, Retirement Planning
Can I Retire at 60 with $1 Million Dollars? Key Takeaway: Yes — if you spend carefully, manage withdrawals wisely, and adjust for longevity and market swings, retiring at 60 with $1 million can work, depending on your lifestyle and expenses. Retiring with a million...
by Joe Allaria CFP®, MBA | Jul 16, 2024 | Article, Retirement Planning
Semi-Retirement and How it Can Benefit You Key Takeaways: Phasing into retirement with a “semi-retirement” stage — reducing work hours instead of quitting cold turkey — can ease financial and emotional transitions while still generating income. Keeping some earnings...
by Joe Allaria CFP®, MBA | Jun 20, 2024 | Article, Portfolio Management
What Does The Stock Market Do in an Election Year? Key Takeaway:During an election year, the stock market tends to behave much like any regular year — with many years producing positive returns — even though volatility often rises as investors react to election...
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