A recent Lincoln Financial Group survey found that retirees significantly underestimate the impact taxes will have on them during their retirement years. When asked before they retired what they expected their top expenses to be in retirement, the majority of pre-retirees surveyed anticipated home and mortgage, health care, and travel/leisure costs to be the highest.…
Read more
Aon Hewitt, the global benefits consulting firm, analyzed 14 defined contribution plans representing over 723,000 individual participants over the seven-year period from 2006 through 2012 to determine how participant behavior affected portfolio risk and returns. Their finding: those who sought help with their investments did significantly better than those who managed their portfolios on their…
Read more
Bankrate.com recently announced the ten best states for retirement. The list, which includes such rugged spots as Colorado, Utah, North Dakota and Wyoming, was topped by, of all places, South Dakota. My question: is South Dakota the retirement paradise to which we should all aspire? Before any South Dakotans that happen to be reading this…
Read more
When it comes to investing, there are many things we cannot control. For example, we cannot control, let alone predict, investment returns. On the other hand, there are things we can and should control, such as the costs of our investments. The popularity of index-based mutual funds and exchange-traded funds (ETFs) has risen dramatically over…
Read more
The New York Times recently reported that the American middle class, long the most affluent in the world, has experienced much lower income growth over the last 30 years as compared to citizens of other advanced countries, and has now given up much of its lead. The wealthiest Americans, on the other hand, have been…
Read more
It’s pretty common among married couples for one spouse to take the lead as the family money manager. It’s usually the one with the most interest and/or time to spend dealing with taxes, investments, and household budgeting. Over the last several years I’ve been encountering more and more families where each spouse manages his and…
Read more
Cognizant Wealth Advisors, LLC ("Cognizant"), dba Perigon Wealth Management, LLC (“Perigon”) is a registered investment advisor.
© 2025 - Cognizant Wealth Advisors
Recent Comments