Social Security Benefits Maximizing Strategies

Social Security Benefits Maximizing Strategies

Deciding when to begin receiving Social Security benefits is a major financial issue for anyone approaching retirement. There is a tradeoff between the amount of the monthly benefit and the number of payments you will receive. Most people know that beginning benefits prior to your full retirement age (currently age 66 and increasing to 67 for anyone born after 1960) will provide fewer dollars on a monthly basis. Delaying the receipt of benefits until 70 generates the maximum level of monthly benefits. ...

The Dangers of Greed

The Dangers of Greed

The wisdom of Dr. Seuss is far reaching. One of his tales that is particularly relevant as we enter 2014 is The Bippolo Seed. In this story, a duck finds a special seed that can grant wishes. Before the duck gets the seed planted, he is distracted by a fox advising him to wish for far more than he was originally seeking. The seed gets lost and the opportunity vanishes with it. The dangers of greed highlighted in the rhyming text will guide us this year. ...

Holiday Stress

Holiday Stress

Financial matters are stressful for many, and Oak Wealth Advisors takes pride in minimizing these stresses for our clients.  While alleviating the stress associated with the holidays is not our specialty, we hope the following information can help in the months ahead. ...

Tapering…

Tapering…

Tapering, when used as a verb, means to grow gradually lean. However, the two times during the second quarter of 2013 when tapering was used as a verb by Chairman of the Federal Reserve, Ben Bernanke, investors reacted as if the definition is to destroy all investment assets. ...

How did we do that?

How did we do that?

2012 is a year for which Oak Wealth Advisors will always be particularly proud. Almost all of our clients enjoyed portfolio performance that exceeded their custom benchmarks on an after-expense basis. While our clients have outperformed in the past, 2012 provides a great opportunity to explain how our process and experience comes together to generate great results. ...

Municipal bonds, defaults, and the fiscal cliff

Municipal bonds, defaults, and the fiscal cliff

Most investors have some municipal bonds in their portfolios, either through individual holdings, mutual funds, or exchange traded funds.  Municipal bonds are generally considered among the safest investments.  That viewpoint has been challenged this year due to a few well-publicized defaults and a recent Federal Reserve report that the default rate may be higher than previously reported.  ...

Sell in May and go away

Sell in May and go away

This old Wall Street adage came about as a description of how many traders on Wall Street would take summer vacations and did not want to be holding stocks when they could not monitor the markets.  More recently the phrase has been rejuvenated to reflect the fact that the performance of the stock markets has been particularly lousy the last few summers and you would have been better off not holding stocks from May through October. ...

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