Family Life Events: When to Call Alpha Beta Gamma

Here are some life milestones and events that mark when you should call us to get financial advice and help. A marriage. Whether it’s you, or your children or grandchildren getting married, when two people join together in holy matrimony they’re also going to need to bring their finances together, f ...

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7/31/2018 Riding the Rockies Trading Update

Clients who have been with us for many years know that this blog ‘Riding the Rockies’ began back in 2010 when I began spending some time in the Colorado Rocky Mountains cycling.  That time spent in the saddle of a skinny Italian bicycle has historically provided me with the solitude that’s sometime ...

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How to Reduce Your Cooling Costs This Summer

90 degree weather with 90% humidity can have you racing for the thermostat just to get some relief. In Florida, HVAC (heating, ventilation and air conditioning) can account for more than 40% of your utility bill, and at an average electricity cost of 12.09 cents per kilowatt hour, that can add up to ...

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Annuities: 5 Things You Should Know

June is “Annuity Awareness Month,” so we thought we would share a little bit of information about them. Here are 5 things you should know.   Annuities are similar to a pension. An annuity is kind of like a pension you can buy for yourself from an insurance company. You basically exchange a sum of mo ...

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How to Have a Happy Retirement

The most important thing you can do when you retire is have a clear plan for how you want to spend your days. Scheduling is essential so that you don’t begin spending too much time in front of the television instead of living your best life. Here are some ideas for you to consider. You may want to s ...

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Riding the Rockies, Trading Update, April 25, 2018

I’ve been spending a significant amount of time over the past several weeks pondering the following: Which of the two interest rate scenarios do I think are most likely to play out over the coming months: A ‘benign’ Federal Reserve with gradually rising interest rates along the curve over an extende ...

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5 Ways to Give Your Finances a $pring Cleaning

Spring is coming! Time to get your finances in shipshape condition. Here are five ideas to get you started.   Check your credit reports. While you’re reviewing your expenses and debts in order to see how you fared last year in terms of staying within your personal budget, make sure that there a ...

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Long-term care—what are your options?

  No one wants to think about the fact that they may become unable to care for themselves someday, but the truth is that more than 50%1 of people 65 or older are estimated to need long-term or nursing care at some point. Costs for long-term care vary by state. The average cost2 of a semi-privat ...

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2/5/2018 Riding The Rockies Trading Update

No doubt, the “talking heads” on the financial news channels are scaring the hell out of most individual investors by today’s very volatile market action. Let’s talk about what happened today and what we see looking ahead. Most of today’s market action this afternoon was caused by ETF trading. Typic ...

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2/2/2018 Riding The Rockies Trading Update

As those of you who are “long-time” friends and clients know, I began writing “Riding the Rockies” in 2009, at the height of the Great Recession. The title comes from my love of road cycling above 10,000 feet in the Rocky Mountains and the analogy to the ups and downs of the stock and bond markets. ...

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Q4 2017 Commentary

2017 was a strong year for stocks with the S&P 500 up almost 19%, as stock valuations broadened out.  We had been overweight stocks going into 2017 and remained overweight through the year.  Bonds, however, returned only nominal returns, based predominantly on yield, as the Fed increased the Fed ...

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5 Things to Know About the New Tax Law for 2018

1. Home equity loan interest is no longer deductible. Since you cannot deduct interest on home equity loans or lines of credit from your income taxes anymore starting in 2018, it may make sense to pay these off depending on your situation. Mortgage interest deductions on home loans going forward can ...

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18 New Year’s Resolution Ideas for 2018.

If year-after-year you find yourself making the same boring and unattained New Year’s Resolutions, we offer you some new goals you can try for 2018. Cheers, and Happy New Year!   1. Write a business plan. If you’ve been thinking about turning that hobby into a business for years, or have a drea ...

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7 Financial Tips for the Holidays

The most “wonderful time of the year” isn’t always so wonderful if you overspend. And it can happen to the best of us. Retailers start plying the public with their Christmas wares pre-Halloween, for good reason. People spend more during the holiday season than any other time of year. And this year, ...

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Riding the Rockies – October 11 2017

Those readers who are long-time clients and friends of Alpha Beta Gamma Wealth Management know that my blog is called Riding the Rockies first, because I view the capital markets quite similarly to trekking through the most majestic mountains in the world and second, because, as a ‘flat-lander’ Flor ...

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6 Ways To Close The Retirement Gap

According to a recent article in The Washington Post, 71% of Americans aren’t saving enough for retirement. If you’re in this predicament, what can you do to close the gap? Here six practical suggestions. Bolster your 401(k). Much as it may pain you, try to allocate more of your paycheck ...

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This Week’s News About Wealth Management

The Federal Reserve’s August beige book forecasted broad-based, steady growth that is neither too hot nor too cold, a “Goldilocks economy.” It’s an ideal environment because it suggests the Fed will not feel compelled to hit the monetary brakes any time soon, particularly wit ...

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Hurricane Irma preparations

It was a week ago that I penned a blog about the economic impacts of Hurricane Harvey.  This evening, following the modification to the several hurricane models, I find myself having contact the members of the “Alpha Team” and implementing “Stage 1” of our hurricane preparedness plan.   As you can s ...

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Benefits Of Fixed Indexed Annuities

An insurance product with an investment element   Fixed Indexed Annuities (FIAs) continue to grow in popularity. FIA sales in the U.S. were a record $53 billion in 2015, an increase of 13 percent over 2014, according to Wink’s Sales & Market Report. FIAs have also attracted the attention of brok ...

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