Financial Priorities Young Families Should Address

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Wise money moves for parents under 40. August 16, 2017 As you start a family, you start to think about certain financial matters. Before you became a mom or dad, you may not have thought about them much, but so much changes when you have kids. Parenting presents you with definite, sudden, financial needs to address. By focusing on those needs today, you may give yourself a head start on meeting some crucial family financial objectives tomorrow. The to-do list should include: Life & disability insurance coverage. If one or…

Retirement in Sight – August 2017

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August 16, 2017 Address These Retirement Planning Priorities After 50 When you turn 50, you start to think practically about the steps of your retirement transition. A to-do list emerges of tasks to try and accomplish, as well as things to consider. Now is the time to pour all you can into your retirement savings. As an example, say you direct $15,000 annually into your workplace retirement account from age 55 to 65. If it returns 6%, you’ll see $48,000 growth off those $150,000 in salary deferrals. An additional $198,000…

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…

Economic & Market Outlook Call – Replay Information

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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: 10106663 The replay will expire on July 31, 2017 at 8:00 a.m. Central. Web Presentation       BOK Financial. Services provided by BOKF, NA. Member FDIC. BOK Financial  |  P.O. Box 2300 | Tulsa, OK 74192© 2017

WealthBuilder Update

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April 2017 The Strategic Investment Advisors team at BOK Financial has implemented several changes to the WealthBuilder program. The changes are summarized below. Please note that the changes were implemented at the strategy level. Actual trades might vary in each account, depending on the account size and cash flows. Overview The Asset Allocation Committee met on April 10th and recommended several tactical changes. The Committee remain modestly constructive on the market and decided to maintain an underweight in fixed income and an overweight in equity. The decision was made, however,…

Retirement in Sight – April 2017

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April 19, 2017 Why you Might Not Want a Lump-Sum Retirement Payout Do you have the option of receiving your retirement money as a lump sum? You may want to turn that choice down. A new MetLife study, Paycheck or Pot of Gold, warns of the “lottery effect” that can occur when all that money makes its way into a household at once. Surveying more than 1,050 retirement plan participants who had taken lump-sum payouts, MetLife found that 21% had already used up 100% of that money; on average, it…

Have a Plan, Not Just a Stock Portfolio

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Diversification still matters. One day, this bull market will end.   Provided by UPAL April 13, 2017 In the first quarter of 2017, the bull market seemed unstoppable. The Dow Jones Industrial Average soared past 20,000 and closed at all-time highs on 12 consecutive trading days. The Nasdaq Composite gained almost 10% in three months.1 An eight-year-old bull market is rare. This current bull is the second longest since the end of World War II; only the 1990-2000 bull run surpasses it. Since 1945, the average bull market has lasted…

UPAL Special Notice

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Annually, UPAL requires an Audit of its Common Collective Pooled Trust Funds which hold retirement plan core assets.  If you are a participant in a participating Plan, an investor in the Pooled Funds or a Plan Sponsor and would like a copy of the Audit of the Pooled Funds, please send an email requesting a copy of the Audit to Kent Butcher, President/CEO, at kbutcher@upal.com or Lea Ann Nunley, Vice President of Retirement Plan Services, at lnunley@upal.com.  Upon receipt of your written request, a copy of the Audit will be…