Missed Yesterday’s Call? We’ve Got You Covered

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  Economic & Market Outlook Call – Replay Information If you missed the BOK Financial Economic & Market Outlook Call or would like to listen to the call again, a replay is now available. To access the audio recording: Dial: 1.877.344.7529 Access Number: 10110746 The replay will expire on November 11, 2017 at 8:00 a.m. Central. Web Presentation  

Will Debt Spoil Too Many Retirements?

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What pre-retirees owe could compromise their future quality of life. October 5, 2017 The key points of retirement planning are easily stated. Start saving and investing early in life. Save and invest consistently. Avoid drawing down your savings along the way. Another possible point for that list: pay off as much debt as you can before your “second act” begins. Some baby boomers risk paying themselves last. Thanks to lingering mortgage, credit card, and student loan debt, they are challenged to make financial progress in the years before and after…

Health Care Costs Are Cutting into Retirement Preparations

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This is happening in subtle and not-so-subtle ways. October 5, 2017 You may have seen this statistic before or one resembling it: the average 65-year-old retiring couple can now expect to pay more than $250,000 in health care expenses during the rest of their lives. In fact, Fidelity Investments now projects this cost at $275,000, up 70% from its initial estimate in 2002. The effort to prepare for these potential expenses is changing the big picture of retirement planning.1  Individual retirement savings strategies have been altered. How many people retire…

Join Us For BOK Financial’s Economic & Market Outlook Call

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Please join Jim Huntzinger, BOK Financial’s Chief Investment Officer, for our next Economic & Market Outlook Call. We will provide a comprehensive market analysis, review the latest U.S. and global economic conditions and discuss what it means for you and your business. Wednesday, October 11, 2017 3:30 p.m – 4:30 p.m. Central Conference Call Number: 1.888.317.6003 Participant Elite Entry Number: 9494788 Featured Topic: The Democratization of Alternative Investments: Alternative investments have become commonly accepted by pension funds, foundations, family offices and other large investors. Considerable resources are being spent to…

Retirement in Sight – September 2017

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September 18, 2017 Retirement Calculators May Not Add in Everything  You may turn to an online retirement calculator for a simple snapshot of your retirement income needs and your retirement savings progress. These calculators are everywhere and so easy to use – but just how realistic are their projections? In truth, not very. They fail to consider many variables. While they may have you enter your present salary, the percentage of income you want to replace in retirement, your estimated retirement date, and the rate of return for your investments,…

Are You Really Saving Enough for Retirement?

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Why an early start (and accepting some risk) matters. August 29, 2017 Are you on track to save $1 million or more for retirement? If you are 50 or younger, you may need that much in savings to generate the kind of retirement income you prefer. Personal finance website NerdWallet recently did some math concerning this very objective. What kind of sustained savings effort would a 30-year-old with nothing invested need to make to amass $1 million in retirement savings by age 67, assuming a consistent 6% annual return? (Keep…

Why You Should Stay Invested Through Tense Times

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Crises pass, and markets eventually regain equilibrium. August 29, 2017 We have seen some uneasy times lately. Uneasiness impacts the financial markets. When it does, we all need to keep some long-term perspective in mind. Those who race to the sidelines and exit equities may regret the choice when crises pass. Wall Street loves calm. Traders literally want “business as usual,” every day. If breaking news disrupts that calm, it can rattle the market – but every investor must realize that these disruptive events are exceptions to the norm. (If…

Pre-Retirement Investing & Distribution Strategies Seminar

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When building a retirement investment portfolio, it’s important to take a look at your overall investment plan and your risk profile. It’s all about creating a plan, balancing risk with the need for security. You also need to look at your spending plan and how much income you are going to need every year, and your sources of income, such as Social Security, a pension and your investments. Investing is not a static exercise. Savvy investors understand that a well-rounded portfolio evolves over time to respond to a dynamic world…

Asset Allocation Changes

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Allocation Changes The BOKF Asset Allocation Committee recently made a few changes to the tactical asset allocation guidance.  International markets have become more attractive based on their valuation and growth trajectory, therefore, the committee members remain modestly constructive on the market and will reduce the allocation to REITs and increase the allocation to international equities. Tactical Allocation Changes UPAL Conservative and Balanced Models The allocations to the UPAL Core Bond Fund and UPAL Global Public Real Estate Fund are being reduced by 1%.  This reduction is being reallocated 2% to…

Retirement in Sight – July 2017

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  July 17, 2017 When Baby Boomers Become Elders, Will Their Kids Provide Care? Right now, millions of baby boomers provide informal, unpaid eldercare to parents in their eighties and nineties. This obligation has led some boomers to retire earlier. The Center for Retirement Research at Boston College says that men who play these caregiving roles are 2.4% less likely to stay in the workforce than their peers. Women are more likely to leave the office under such stress, and the CRR estimates that those who do balance a career…