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Posts filed under: 2015 Deep Rooted Thoughts

The Senior Citizens Freedom to Work Act, passed in 2000, allowed seniors to continue working while receiving Social Security benefits.  This Act permitted Social Security benefits planning strategies that helped couples maximize their retirement income benefits.  These strategies were tied to the concept of a primary wage earner delaying the start of their benefits while......
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When it comes to retirement spending, everyone wants a simple rule for how much of their savings they can safely spend every year.  For some, the goal is simply to not run out of money before they run out of breaths.  For others, the goal is to not spend below some amount they wish to......
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Ideally, wealth creation would proceed on a path of steady growth.  However, investment risks exist which require patience, conviction, and discipline in order for financial goals to be achieved.  While stock market volatility is expected, bond investing is traditionally considered to be less risky.  Ironically, a major investment challenge we currently are facing is the......
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Changes in longevity require changes in our expectations about retirement savings. In the early 1900s, the average life expectancy of a newborn American was about 50 years. In 1933, the year that Social Security was introduced as part of F.D.R.’s New Deal, the life expectancy of a newborn had risen to about 62 years. Today,......
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As most people know, Oak Wealth Advisors does not invest based on predictions.  Instead, we focus on disciplined investing which leads to greater stability and wealth creation.  We also try to keep our clients well informed and want them to be confident that we are aware of important data that may impact their investments.  The......
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