Guided Retirement Income Planning- Chapter 21
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
Guided Retirement Income Planning- Chapter 20
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
Guided Retirement Income Planning- Chapter 19
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
From The Desk Of MGFS – 2nd Quarter 2023
What’s on your mind? Simply stated, you are concerned about inflation, any potential economic recession, the state of the economy, the markets, and financial planning considerations in response to current conditions. We will cover them all.. Inflation While there has been a decline in inflation with CPI falling to 3% in June, the 12-month rolling […]
Guided Retirement Income Planning- Chapter 18
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
Guided Retirement Income Planning- Chapter 17
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
Guided Retirement Income Planning- Chapter 16
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
From The Desk Of MGFS – 1st Quarter 2023
What’s on your mind? One word says it all “Everything!” So, let us go through potential challenges and our thoughts. Challenges Are the banking issues isolated or are there more systemic problems like those associated with Silicon Valley Bank (SVB)? Will inflation ever get back to the normalized 2-2.5% range that the Federal Reserve is […]
Guided Retirement Income Planning- Chapter 15
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
Guided Retirement Income Planning- Chapter 14
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
2023 Newsletter – Winter Edition
Our Thoughts about 2022 and The Year Ahead! 2022 concluded a difficult year for stocks and bonds but an altogether manageable year for our clients. As we checked in with clients throughout the year, we often received the following feedback: “Expenses are up, I’m glad we were prepared, we have enough cash and cash flow, […]
Guided Retirement Income Planning- Chapter 13
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
From The Desk Of MGFS – 4th Quarter 2022
What’s on your mind? In our conversations, we know that many of you are asking about the ‘R’ word: recession. Are we headed towards one? If so, how severe is it going to be? What does inflation look like in the upcoming year? How will it impact stock and bond markets? Economy Most signs […]
Guided Retirement Income Planning- Chapter 12
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
Guided Retirement Income Planning- Chapter 11
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
SPECIAL REPORT ON INFLATION, Part 5 – How Do We Live With It?
“Abnormally good or abnormally bad conditions do not last forever” (Benjamin Graham) Following is a continuation of our 5-Part series on inflation. For your convenience, if you would like to reference the previous reports you may click the links below or search for them among many other interesting articles in our blog at mgfs.net/category/blog/ Inflation […]
Guided Retirement Income Planning- Chapter 10
CHAPTER 10RETIREMENT RISKS (Step 4) “He who fails to plan is planning to fail.” (Winston Churchill) The objective of retirement income planning is to make sure that retirement income is sustained throughout your life. In the planning process, there are a variety of risks that could crush your plan (see below). You should identify […]
From The Desk Of MGFS – 3rd Quarter 2022
Welcome to Fall! For the third quarter report, we will focus on the following topics: What’s on your mind? Inflation Economy Markets Our views Notable quote What’s on your mind? You want to know, how long will the market chaos last? What should you do? What conditions need to take place for the economy to […]
Guided Retirement Income Planning- Chapter 9
CHAPTER 9PRELIMINARY RETIREMENT INCOME CALCULATIONS (Step 3) “An ounce of prevention is worth a pound of cure.” (Benjamin Franklin) Preliminary retirement income calculations and forecasting are performed to primarily identify future problems before they happen or as early as possible. Once expenses and sources of income have been identified, projections are made to determine if […]
Guided Retirement Income Planning: Chapter 8
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
Guided Retirement Income Planning: Chapter 7
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
2022 Newsletter – Summer Edition
What’s New at MGFS We strive to help clients meet their ongoing goals and needs. During the second half of 2022, we continue to review accounts for potential rebalancing and tax considerations, where appropriate. For our retired clients 72 and older, we focus on required minimum distributions. We also prioritize heavy client communication, not only […]
Guided Retirement Income Planning: Chapter 6
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
Quarterly Market Review 2022
Record high inflation, rising interest rates, and recession fears led equities lower in June. Emerging markets (-6.6%), outperformed both US (-8.3%)…
CNR Speedometers – July 2022
Economic & Financial Indicators That are Forward-Looking Six to Nine Months (PDF) Download PDF
Guided Retirement Income Planning: Chapter 5
Barry and Adam wrote and published the book “Guided RetirementIncome Planning” in November 2020 to create higher levels of financialliteracy and to show a comprehensive and logical process for executingincome planning in retirement. Since we believe that this subject matter isso important and relevant, we are going to roll out one chapter eachmonth. While our […]
SPECIAL REPORT ON INFLATION, Part 4 – What Can We Learn From The Past?
“It’s a recession when your neighbor loses his job. It’s a depression when you lose yours.” (Harry Truman) Following is a continuation of our originally produced 5-Part series on inflation. For your convenience, if you would like to reference the previous reports you may click the links below or search for them among many other […]
From The Desk Of MGFS: Important Quarterly Insights Through July 2022
2nd QUARTER 2022 Happy Summer! For the second quarter report, we will focus on the following topics: What’s on your mind? Inflation and the economy The markets Our views Notable quote We have been rolling out a series of special reports on inflation and will continue to do so over the next few months. Our objective is […]
SPECIAL REPORT ON INFLATION, Part 3 – What is the Government’s Role with Inflation?
“In seeking truth, you have to get both sides of the story.” (Walter Cronkite) Governments Role The government has three ways to fund its operations. It taxes, borrows, or prints money. The very act of tax collection is not inflationary, although there are many who question the methodology or fairness of it. Government borrowing is […]
Guided Retirement Income Planning: Chapter 4
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
SPECIAL REPORT ON INFLATION, Part 2 – What Can You Do to Protect Yourself?
“Only when you combine sound intellect with emotional discipline do you get rational behavior.” (Warren Buffett) Inflation impacts all of us. The cost of living continues to increase as goods and services become more expensive. Often, wages are then boosted to keep up with inflation. As the cost of labor and supplies for businesses increase, […]
Guided Retirement Income Planning: Chapter 3
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
From The Desk Of MGFS: Important Quarterly Insights Through March 2022
1ST QUARTER 2022 In this first quarter report, we will review the following topics: Behavioral Finance and Views on the Markets Other Notable Headlines Economic News As well, we intend to continue our production and releases of special reports on inflation over the next several months. Please look for these articles to explain cause and […]
SPECIAL REPORT ON INFLATION, Part 1- What Is Inflation?
“The one instrument that has relative political autonomy is monetary policy. Central banks do not need to go to Congress to get approval for an interest rate hike.” (Mohammed El-Erian) What is it? Simply stated, inflation is the increase in the supply of money and credit. When there is more money available in circulation, people […]
SPECIAL REPORT ON INFLATION, Introduction
“We can only know that we know nothing. And that is the highest degree of human wisdom.” (Leo Tolstoy) As financial advisors, we do a lot. We help you plan and achieve your financial goals, navigate through periods of economic uncertainty, market volatility, and changing geopolitical conditions, and more. We believe that part of our […]
Guided Retirement Income Planning: Chapter 2
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
2022 Newsletter – Winter Edition
Happy New Year! It’s February 2022! What’s New at MGFS During the second half of 2021, we were quite busy with investment and tax planning reviews, required minimum distributions season, helping clients with new year goals (a lot of retirements!), and we completed our re-branding project. As a result, the MGFS website is updated and […]
Guided Retirement Income Planning: Chapter 1
Barry and Adam wrote and published the book “Guided Retirement Income Planning” in November 2020 to create higher levels of financial literacy and to show a comprehensive and logical process for executing income planning in retirement. Since we believe that this subject matter is so important and relevant, we are going to roll out one […]
MGFS Special Edition – Volatility And The Return To Normal
MGFS Special Edition – Volatility And The Return To Normal We hope you are healthy and staying warm! The market has experienced volatility over the last few weeks. Such volatility seems familiar when we think about specific historical events such as the financial crisis, the US credit rating be devalued, the oil crisis, and Covid. […]
From The Desk Of MGFS: Important Quarterly Insights (1st Quarter 2022)
HAPPY NEW YEAR! In this year-end report, we will review the following topics: Behavioral Finance Notable Headlines Economic News Inflation Market News Behavioral Finance What’s on your mind? As market volatility increases, what is the outlook for 2022 and how will it affect my portfolio and goals? How high will the markets, interest rates, and […]
From The Desk of MGFS: Important Quarterly Insights
3RD QUARTER 2021 In this report, we will cover topics related to your financial planning and wealth management needs. We will also address inflation in greater depth because inflation, along with potential future tax reform, may have the biggest impacts on the economy and future markets. Topics: Behavioral Finance Notable Headlines Economic News Inflation (new […]
2021 Newsletter- Summer Edition
Your MGFS Team is in great form!This picture was taken recently as part of a photo shoot for our updated website. What’s New at MGFS We have been very active in 2021 and wanted to share some updates… Our team is working both remotely and in the office and we are holding in-person meetings again. […]
From The Desk Of MGFS: Important Quarterly Insights (2nd Quarter 2021)
In this report, we have listed topics we feel are important for you to note, recognizing our ongoing diligence and oversight over the same and how they relate to your needs. We will touch upon the issue of inflation, briefly. However, we feel it could be the most important topic in the future and is […]
Investor Update 2020
In our continuing effort to bring you consistent and relevant communications, we would like to invite you to view our first ever virtual MGFS webinar, a pre-recorded presentation. As always, we are focused on helping you stay focused and reaching your goals and objectives. Our Investor Update for 2020 will touch on the following topics: Market volatility Historical perspectives Recently passed legislation […]
CARES Act Tax Relief for Businesses
Fast on the heels of passing the Families First Coronavirus Response Act (a law which ensures paid sick leave and unemployment benefits for employees affected by the COVID-19 pandemic along with payroll tax credits for affected employers), Congress passed and the President signed the CARES Act – a massive economic relief package with numerous tax […]
CARES Act Tax Relief For Individuals and Retirees
Fast on the heels of passing the Families First Coronavirus Response Act (a law which ensures paid sick leave and unemployment benefits for employees affected by the COVID-19 pandemic along with payroll tax credits for affected employers), Congress passed and the President signed the CARES Act – a massive economic relief package with numerous tax […]
Making the Most Of Shelter In Place
Most of us are now home for an uncertain period of time. No doubt that these can be tough times. Many of you are concerned about cash flow and your investment accounts. For some, there will be government assistance to bridge the gap until life returns to normal. Pay attention to when this is announced. […]
Barry Moschel Earns Retirement Income Certified Professional® (RICP®) Designation
Barry has earned the Retirement Income Certified Professional® (RICP®) designation from The American College of Financial Services. Using the most current retirement portfolio management techniques, the RICP® advisor helps to identify retirement income needs and objectives relative to the client’s lifestyle goals in retirement. Individuals who earn an RICP® designation can provide knowledgeable advice on a broad range […]
9 Facts About Social Security
Social Security’s been a fact of retirement life ever since it was established in 1935. We all think we know how it works, but how much do you really know? Here are nine things that might surprise you. Tip: How Much? Check your Social Security earnings and see an estimate of your benefits on the website, […]
