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What To Do When Interest Rates Are Near-Zero And You Need Income

If the Financial Crisis ushered in the era of “ultra-low” interest rates, the current pandemic took it a step further to bring about “near-zero” interest rates.  Forget about earning a decent return on bonds. 10-year Treasury bonds currently yield just 0.85% and investment-grade corporate bonds pay just 1.75%. Short-term bonds and cash pay next to… Read more »

Advising Clients Who Exhibit Signs Of Cognitive Decline

Due to advances in medical care and increased longevity, Americans are leading longer and more productive lives than previous generations. With the benefit of longevity, comes the increasing risk of cognitive decline, notably Alzheimer’s disease or dementia. According to the Alzheimer’s Association, 15% of those over the age 65 have some form of dementia, and… Read more »