DeCesare Retirement Specialists

Work to Wealth

This month’s feature article Think About Your Lifestyle Before You Retire delves into the retirement dream versus the retirement reality. Retirement savers spend enormous amounts of time calculating the figures regarding income, expenses, and probablilities of success. They spend much less time considering the fact that they are human and that retirement may have a...

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A quick recap, our May Fed Update commented on how the FOMC’s May meeting minutes indicated a potential increase in interest rates in the June/July time frame. This resulted in increased uncertainty due to the mixed signals being conveyed by the FOMC about their future policy decisions. The markets reacted with a brief but dramatic...

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Brexit Wins!

| Work to Wealth

We wake up this morning to a historic event inside the European Union that has shocked the world both emotionally and financially. The citizens of the United Kingdom voted to exit the European Union just 23 years after joining. The EU was created to unite the various countries’ cultures and economics to help ensure peace...

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The April Fed update, following the conclusion of the FOMC meeting on April 27th, commented on the market pricing in a 51% probability of a rate increase in December. The expectation was for only one rate increase for the year, despite the FOMC’s plan for four rate hikes in 2016. Fast forward just two weeks...

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As I’m sure you’ve heard by now, the Department of Labor has made recent news addressing the important topic of fiduciary standard in the financial services industry. By definition, a fiduciary is one who acts in the utmost good faith, in a manner he or she reasonably believes to be in the best interest of...

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Since the last FOMC meeting in March, economic growth has obviously slowed leaving the probability for an another interest rate increase low. Expectantly, at the conclusion of wednesday’s meeting, the committee left rates unchanged with an acknowledgement of slowing domestic growth. While prior meetings indicated “global economic and financial developments continued to pose risks”, this...

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When stocks struggle or tread water, going Roth gains merit. Spring is here! And I cannot think of a better time to invite you to join me for a complimentary “Spring Cleaning” of your finances! During this no-obligation, complimentary meeting, I will work with you to help clean up your budget, asses your investment strategy,...

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The FOMC’s meeting on March 16th and Chair Yellen’s comments resulted in some interesting insight into the future of policy normalization and the more recent focus on global risk. Prior to this meeting, the expectation was for the FOMC to raise rates four times in 2016 on its gradual path to normalization. However, the FOMC...

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How much might health care cost you someday? As a retirement planning specialist, I am regularly asked about affording healthcare during the golden years. It’s true, as we age, healthcare-related expenses can get costly. The only way to help ensure you maintain the retirement lifestyle you planned for while receiving the healthcare you need, is...

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Steve DeCesare provides insight on how you can be proactive with your pension and get the most out of this retirement savings vehicle. By Greg Brown, Columnist Published October 2015 For millions of Americans, a pension remains a solid “third leg” of the retirement stool after Social Security and personal savings. And while nearly all...

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