Are you ready for BOK Financial’s Economic & Market Outlook Call?

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  Remember, BOK Financial’s Economic & Market Outlook Call featuring Chief Investment Officer, Jim Huntzinger is today. We look forward to you joining us. Wednesday, April 10, 2019 3:30 p.m – 4:30 p.m. Central Conference Call Number: 1.888.317.6003 Participant Elite Entry Number: 8413498 Access to the web presentation will be made available on Wednesday, April 10. You may submit a question in advance using the button above. All questions will be submitted anonymously to our presentation team. Questions may also be submitted during the Q&A portion of the call. Speaker…

Retirement in Sight – March 2019

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Monthly News and Information for Current and Future Retirees Presented by UPAL – MARCH 2019 QUOTE OF THE MONTH “You must do the things you think you cannot do.” ELEANOR ROOSEVELT DEALING WITH A “surprise” RETIREMENT For years, you have imagined the way your “second act” will unfold: when it will start, what you will do, and where you will be. Then life hands you a wild card. You are forced to retire years earlier than you planned and with little notice. How do you adjust? This turn of events…

Is America Prepared to Retire?

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A look at some ways to get ready. February 26, 2019 Are Americans saving enough? Only 19% of U.S. adults describe themselves as “very confident” when asked about their savings. Worry spots include retiring without enough money saved (16%) and anxiety about having a “rainy day” emergency fund (14%). These findings come from the 2018 Consumer Financial Literacy Survey conducted by the National Foundation for Credit Counseling. (The survey collected data from 2,017 U.S. adults.)1 Only 41% of us keep a regular budget. If you are one of those roughly…

Social Security by the Numbers

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Facts about the federal Old-Age, Survivors, and Disability Insurance (OASDI) program. February 26, 2019 Social Security has been a pillar of retirement life for several decades, but how much do you really know about it? Here are some facts that might surprise you: The Social Security trust fund exceeds the gross domestic product of every major economy in the world, except the nine largest: China, the European Union, the United States, India, Japan, Germany, Russia, Indonesia, and Brazil.1 For 61% of retirees, Social Security is a major source of income.1…

Retirement in Sight – February 2019

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MONTHLY NEWS AND INFORMATION FOR CURRENT AND FUTURE RETIREES PRESENTED BY UPAL – February 2019 QUOTE OF THE MONTH “What I know for sure is that what you give comes back to you.” OPRAH WINFREY HOW CAN A WOMAN TRY TO PREVENT OUTLIVING HER MONEY? Certain financial decisions may help a woman grow and sustain her retirement assets across the decades to make up for time out of the workforce and the prevalent earnings gender gap. Obviously, one fundamental move would be to start saving and investing for retirement as early…

The Anatomy of an Index

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The S&P 500 represents a large portion of the value of the U.S. equity market January 17, 2019 Did you know that nearly $10 trillion in assets are benchmarked to the Standard & Poor’s 500 Composite Index, including about $3.5 trillion in index assets?1 The S&P 500 is ubiquitous. It is constantly referenced in financial and non-financial media, and we may compare the return of our own investments to its performance. As the index represents approximately 80% of the value of the U.S. equity market (or about 80% of market…

Retirement in Sight – January 2019

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MONTHLY NEWS AND INFORMATION FOR CURRENT AND FUTURE RETIREES PRESENTED BY UPAL – JANUARY 2019 QUOTE OF THE MONTH “Always laugh when you can. It is cheap medicine.” Lord Byron Think of these factors AS YOU think about retirement income If retirement is drawing closer, you will want to ask yourself some key questions relating to your future income. Answering these fundamental questions may help to give you a better picture of the monthly cash flow needs of your retiree household. The first two questions concern time. One, when do you…

Are You Ready for BOK Financial’s Economic & Market Outlook Call?

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Remember, BOK Financial’s Economic & Market Outlook Call featuring Chief Investment Officer, Jim Huntzinger is tomorrow. We look forward to you joining us. We will provide a comprehensive market analysis, review the latest U.S. and global economic conditions and discuss what it means for you. Wednesday, January 9, 2019 3:30 p.m – 4:30 p.m. Central Conference Call Number: 1.888.317.6003 Participant Elite Entry Number: 0101821 Access to the web presentation will be made available on Wednesday, January 9. You may submit a question in advance using the button above. All questions…

No, That Is Not the I.R.S. Calling

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Watch out for crooks impersonating I.R.S. agents (and financial industry professionals). December 3, 2018 Do you know how the Internal Revenue Service contacts taxpayers to resolve a problem? The first step is almost always to send a letter through the U.S. Postal Service to the taxpayer.1 It is very rare for the I.R.S. to make the first contact through a call or a personal visit. This happens in two circumstances: when taxes are notably delinquent or overdue or when the agency feels an audit or criminal investigation is necessary. Furthermore,…

The Holiday Wrap Up

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A look back at 2018 thus far Presented by UPAL The year in brief. Last December, market prognosticators polled by Barron’s forecast a 7% advance for the S&P 500 in 2018. That prediction may come true. By early November, the S&P was up only about 5% for the year. Wall Street began 2018 in rally mode: happy to see large tax cuts for corporations, anxious to see whether a booming economy would lead to rising inflation pressure and recurring interest rate hikes. What Wall Street did not see coming late…