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…

Holiday Wrap Up 2016

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A look back at 2016 thus far Presented by UPAL November 29, 2016 The year in brief. Investors will likely remember 2016 as a year of two momentous votes and one monetary policy decision. This year brought the Brexit referendum in the United Kingdom and a surprise presidential election victory for Donald Trump, and it now appears probable that the Federal Reserve will raise interest rates in December. As Thanksgiving week began, the S&P 500 sat comfortably near 2,200, while the Dow Jones Industrial Average pushed toward breaking 19,000. Some…

Should You Care What the Market Does Each Day?

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A calm investor may realize better long-term returns than an overly concerned one.  November 17, 2016 Investors are people, and people are often impatient. No one likes to wait in line or wait longer than they have to for something, especially today when so much is just a click or two away. This impatience also manifests itself in the equities markets. When the S&P 500, Dow, or Nasdaq take a tumble, some investors grow uneasy. Their impulse is to sell, get out, and get back in later. If they give…

Your Year-End Financial Checklist

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Seven aspects of your financial life to review as the year draws to a close. November 17, 2016  The end of a year makes us think about last-minute things we need to address and good habits we want to start keeping. To that end, here are seven aspects of your financial life to think about as this year leads into the next…   Your investments. Review your approach to investing and make sure it suits your objectives. Look over your portfolio positions and revisit your asset allocation.    Your retirement…