America Saves Week

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How much are you setting aside on behalf of your goals?   Provided by UPAL  March 1, 2017 “Set a goal, make a plan, and save automatically.” This is the motto of America Saves Week, which begins on February 27. America Saves – a project of the American Savings Education Council – calls on Americans to do all three of those things to try and improve their finances. Each winter, it surveys Americans to see how well (or poorly) they are saving. The survey is in its tenth year, and…

Robo-Advisors vs. Human Advisors

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If an investor chooses a non-human financial advisor, what price could they end up paying? Provided by UPAL  March 1, 2017 Investors have a choice today that they did not have a decade ago. They can seek investing and retirement planning guidance from a human financial advisor or put their invested assets in the hands of a robo-advisor – a software program that maintains their portfolio. Why would an investor want to leave all that decision making up to a computer? In this era of cybercrime and “flash crashes” on…

Little Things That May Help Your Retirement Saving

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Over time, these seemingly small factors could make a major difference. Provided by UPAL February 20, 2017 Saving for retirement takes decades and demands the investment of significant amounts of your income. As this major effort unfolds, you should recognize that some subtle factors and seemingly minor decisions could end up making a sizable and positive impact on your financial future. Your investment yield may be less important than the amount you save. Beating the S&P 500 feels great, but outperforming the market is not your foremost goal. Your real…

Retirement in Sight – February 2017

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Presented by UPAL February 15, 2017 Retiring with an Age Difference If you are 10 or 15 years older than your spouse or partner, to what degree should that age gap influence your retirement planning? You will want to consider this question, for it may affect many aspects of your financial future – such as your planned retirement dates, how you decide to claim Social Security, and how you choose to invest. Your age difference will lengthen your total retirement experience as a couple. For example, Social Security projects that…

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: 10098933 The replay will expire on February 1, 2017 at 8:00 a.m. Central

You’re Invited: BOK Financial’s Economic and Market Outlook Call

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Please join Jim Huntzinger, BOK Financial’s Chief Investment Officer, for our next Economic & Market Outlook Call. Wednesday, January 18, 2017 3:30 p.m – 4:30 p.m. Central Conference Call Number: 1.888.317.6003 Participant Elite Entry Number: 7613518 Conference Call Topics: 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. Web Presentation                               Submit a Question Access to the web presentation will…

2017 Retirement Plan Contribution Limits

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Minor inflation means small, but notable, changes for the New Year. Provided by UPAL January 9, 2017 Each October, the Internal Revenue Service announces changes to annual contribution limits for IRAs and workplace retirement plans. Are any of these limits rising for 2017? Will IRA contribution limits go up? Unfortunately, no. Annual contributions for Roth and traditional IRAs remain capped at $5,500 for 2017, with an additional $1,000 catch-up contribution permitted for those 50 and older. This is the fifth consecutive year those limits have gone unchanged. The SIMPLE IRA…

Saving $1 Million for Retirement

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How can you plan to do it? What kind of financial commitment will it take? Provided by UPAL January 9, 2017 How many of us will retire with $1 million or more in savings? More of us ought to – in fact, more of us may need to, given inflation and the rising cost of health care. Sadly, few pre-retirees have accumulated that much. A 2015 Government Accountability Office analysis found that the average American aged 55-64 had just $104,000 in retirement money. A 2016 GoBankingRates survey determined that only…

Retirement in Sight – December 2016

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Presented by UPAL December 20, 2016 Teamwork Counts for Couples Close to Retirement. Talking about a few lifestyle and financial matters in the years immediately before your retirement transition may help you and your spouse find more happiness in your “second act.” How close are you to receiving Medicare? Should one or both of you strive to work until age 65? HealthPocket (a tech firm that evaluates health plans) estimates that the average non-smoking, 60-year-old couple would pay nearly $18,000 for a silver plan at one of the health care…

As Anticipated, Interest Rates Rise

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The Federal Reserve’s latest policy move corresponds to market expectations. Provided by UPAL  December 20, 2016 Wednesday, the Federal Reserve raised its key interest rate by 0.25%. That decision surprised no one – at least no one in the financial markets. Hours before the announcement, the CME Group’s FedWatch Tool, which calculates the chance of interest rate moves based on Fed futures contracts, showed a 97.1% probability of a quarter-point hike.1,2 The central bank made its decision “in view of realized and expected labor market conditions and inflation.” Equity investors…