Posts by Ethos Capital Advisors

Don’t Leave Your Long-Term Care Plan to Chance

Long-Term Care and You According to new research from Genworth, one of the nation’s leading long-term care insurance companies, Americans are both entering caregiver roles and requiring care at younger ages. Among the study’s findings:1 Nearly half of family caregivers now are men The average age of a family caregiver is 47 (down from age…

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How To Prepare For Your Complimentary Retirement Analysis

While you need not to bring any information with you on your visit, if you do wish to have these analyses completed as accurately as possible, below is a list of pertinent information that is helpful:Retirement Security Analysis While estimates are fine, the more detailed information we have to input, the more helpful the final analysis will…

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Responsible Investing Options Keep Sprouting

Nearly $23 trillion of assets worldwide are managed using responsible investing (RI) strategies, a 25 percent increase since 2014, according to the Global Sustainable Investment Alliance. New funds focused on environmental, social and governance (ESG) issues have also doubled since 2014.1   RI used to suffer under the guise of a do-good passion project or…

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2019 Market Prognostications: What the Experts Say

By the end of 2018, not one of the eight asset categories tracked by Ned Davis Research was on track to post a return greater than 5 percent. Since it’s common for the market to yield at least some “winners” and “losers” among asset classes each year, this was a significant phenomenon that hasn’t occurred…

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The 411 on 401(k)s

  Retirement accounts in the U.S. reached record highs by the end of 2018’s third quarter. The average account balance was $106,500 for 401(k) plans, and the number of 401(k) millionaires in the U.S. increased to 187,400, up 41 percent from 2017.   Among 401(k) investors, one of the most common trends is the use…

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Stability Grows for Emerging Markets

Emerging Markets are Shedding their High-Risk Perception   Thirty years ago, developed markets were seen as much more stable than smaller, emerging countries. But as political division and uncertainty permeates the West, the differences have faded, and emerging markets (EM) have shed the high-risk perception that accompanied foreign investment.   Sound government situations, conservative monetary…

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The Pros and Cons of Municipal Bonds

Looking at Municipal Bonds U.S. stock markets were enjoying an eighth consecutive year of a bull market until volatility toward the end of 2018 erased all of the past year’s gains.1 In times like this, as share prices continue to bounce back and forth on a day-to-day basis, investors close to or in retirement often transition…

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Decreasing Benefits Contribute to Retiree Bankruptcy

Only 19 percent of U.S. employers still offer retiree health benefits.   For most of the 20th century, it was common for employers and unions to sponsor health care insurance for retired workers, which helped pay for some or all of Medicare’s cost-sharing requirements and deductibles. However, this trend reversed sharply in the mid-1990s. A survey…

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The Power of a Healthy Mind

Can having your mind in the right place improve your health? It can’t hurt.   We’re living longer, but we aren’t always prepared for what lies ahead. It’s easy to become disillusioned as new aches and pains crop up or our body doesn’t work like it used to. But just as we exercise and eat…

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