How COVID-19 Has Impacted Retirement Confidence

The Transamerica Center for Retirement Studies recently conducted an online survey of more than 6,000 people in the U.S. and found that many are feeling financially vulnerable. Americans are feeling a distinct lack of confidence, particularly when it comes to retirement. Whether employed or unemploy ...

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How Simple Face Coverings Protect from COVID-19

In the wake of COVID-19, wearing masks or some type of facial covering is mandated in most public locations in an effort to reduce the spread of the disease. Medical-grade masks, such as the N95 respirator mask, are known to provide the best protection against breath-borne pathogens. But since those ...

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The CARES Act: 10 Things You Should Know

The $2 trillion coronavirus economic stimulus bill is the single largest relief legislation in U.S. history, aimed at providing help for individuals and businesses affected by the outbreak. It was signed into law on March 27, 2020. The CARES Act is also known as “Phase III,” because it follows a $10 ...

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Riding the Rockies Marketing Update April 6, 2020

Our long term clients (some, for more than 25 years) know that I am an “optimistic realist.” I suspect that over the years, I’ve evolved a bit less along the “optimistic” side to be a bit more “realistic” but that is, I suspect, the long term developmental process for most optimists. ...

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First Quarter, 2020 Commentary

The first quarter of 2020 was one of the most volatile in the history of the capital markets.  No asset class was spared as a result of the Corona Virus which swept across the global population and its economies with “Blitzkrieg” speed, toppling people, businesses, the capital markets, and economies ...

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The Rules Are Changing For 401(k)s In 2020

The Rules Are Changing For Your 401(k) In 2020 If you’re still working and contributing to a 401(k) or similar workplace retirement plan, there is some good news for the upcoming year. If you’re under age 50, the amount you can contribute to your 401(k), 403(b), most 457 plans and the federal govern ...

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On Being Thankful All Year Long

Thanksgiving is one of America’s beloved holidays, and it’s a time when we gather together with family and friends to enjoy a communal feast. And at Alpha Beta Gamma Wealth Management, we like to expand even more than our waistlines when it comes to thankfulness! Many traditions encourage us to be t ...

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Top Fears of Retirees

It’s October, the month that we typically celebrate “scary stuff” right up until the last day, when Halloween arrives on the 31st. Pretending to be afraid is one thing. But being fearful and anxious in real life, especially as you get older, is not fun at all. The fears that go along with retirement ...

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What You Should Know About Life Insurance

September is Life Insurance Awareness Month, and thus the focus of this month’s blog post. Here are some of the things you should know about life insurance:   Life insurance is a contract. A life insurance policy is basically a contract between you and an insurance company. As with any contract ...

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5 Retirement Pitfalls to Plan Ahead For

We talk a lot about “risk” in retirement, because there are a lot of issues to consider. That’s why retirement planning is so important—it includes contingency plans to cover potential adverse events. Here are five examples: Incapacity Even young people face the possibility that they will become dis ...

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“Longevity Risk” in Retirement

Longevity means “long life” or “length of life.” Longevity risk is the risk that someone will outlive their money or available income—something we are very concerned about at Alpha Beta Gamma Wealth Management. It’s a fact that people are living longer. A woman who has reached age 65 can expect to l ...

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New Paradigms for Retirement

The old notion that you should withdraw from life and sit in a rocking chair during retirement has been completely overturned as today’s older population demonstrates on a daily basis. Here are some recent facts and new ideas about retirement that you should consider before you take that last payche ...

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What To Do During Times of Market Uncertainty

By Curt Lyman At Alpha Beta Gamma Wealth Management, we have been helping clients for decades, and we’ve worked through Black Monday, the dot com bubble, the housing market crash of 2008, as well as many other times in recent history when markets went sideways. That’s why our approach is always to h ...

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Happy New Year!

All of us at Alpha Beta Gamma Wealth Management look forward to serving you and your family in the upcoming year, and we are committed to finding the best strategies for every economic condition. Let’s schedule your annual review! If you are not a client yet, but are looking for new or alternative i ...

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Introducing Our Newest Team Members

Alpha Beta Gamma Wealth Management is expanding to better serve our clients. Meet our two newest team members!   Raquel Bencosme has joined Alpha Beta Gamma Wealth Management with a focus on providing first-class service to our clients. She handles account openings and account maintenance, manages s ...

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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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