Saturn Wealth


The Sequence of Returns

October 12, 2018

A look at how variable rates of return do (and do not) impact investors over time.    What exactly is the “sequence of returns”? The phrase simply describes the yearly variation in an investment portfolio’s rate of return. Across 20 or 30 years of saving and investing for the future, what kind of impact do…

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The Snowball Effect

October 8, 2018

Save and invest, year after year, to put the full power of compounding on your side.   Have you been saving for retirement for a decade or more? In the foreseeable future, something terrific is likely to happen with your IRA or your workplace retirement plan account. At some point, its yearly earnings should begin…

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Is It Time to Stop Procrastinating About Your Financial Plan?

October 4, 2018

Some things to think about as you get started with your strategy.   First, look at your expenses and your debt. Review your core living expenses (such as a mortgage payment, car payment, etc.). Can any core expenses be reduced? Investing aside, you position yourself to gain ground financially when income rises, debt shrinks, and…

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Keep Your Life Insurance When You Retire

October 1, 2018

Some good reasons to retain it.   Do you need a life insurance policy in retirement? One school of thought says no. The kids are grown, and the need to financially insulate the household against the loss of a breadwinner has passed.   If you are thinking about dropping your coverage for either or both…

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Little-Known Homeowners Insurance Facts

September 27, 2018

You may be surprised to learn what is and is not covered.    If you have a homeowner’s insurance policy, you should be aware of what the insurance does and does not cover. These policies have their limitations as well as their underrecognized perks.   Some policies insure actual cash value (ACV). ACV factors depreciation…

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New Medicare Cards Are on the Way

September 24, 2018

In the coming months, they will reach retiree mailboxes.   New Medicare cards will be mailed out between now and next April. They have an 11-digit I.D. number instead of your SSN, and they are made of paper rather than plastic. This new 11-digit number is called the Medicare Beneficiary Identifier (MBI). If you have…

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What Determines Car Insurance Rates?

September 20, 2018

Driver history is just one factor; there are many others.   Your auto insurance payment is not just based on your driving history. Assorted variables come into play that have nothing to do with your accident record or your experience behind the wheel.   Where you live counts. If you reside in a congested big-city…

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Financial Elder Abuse: Perception vs. Reality

September 17, 2018

Someday, you or your parents could be at risk. You may know victims of financial elder abuse. According to a new Wells Fargo Elder Needs Survey, almost half of Americans do.1   As you read or hear stories about seniors being financially exploited, you may think: not me, I would never fall prey to that…

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Financial Fraudsters Preying on Boomers & Elders

September 13, 2018

If something sounds too good to be true, it probably is.    If you are in or near retirement, it is a safe bet that you would like more yield from your investments rather than less. That truth sometimes leads liars, scammers, and fraudsters to pitch any number of too-good-to-be-true “investment opportunities” to retirees. Given…

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How Your Credit May Affect Your Life Insurance Premiums

September 10, 2018

You may be surprised to learn about the potential relationship.   Does your credit history partly determine the cost of your life insurance? It may. The potential for such a relationship may surprise you – and the relationship is not without controversy.   Insurers think a good credit history implies several things. It signals a…

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