Newsletters

Retirement Realities – July 2013 Newsletter

We read every day that the average consumer is not adequately preparing for their eventual retirement.  Maybe that comment hits home when you read it or maybe you think they are talking about the guy down the street.  Whatever your reaction, it may be time to consider the realities of retirement and what you can do to protect your future. In the days of Franklin Roosevelt, there was a philosophy called the “community society” where an American worker had a hypothetical three-legged stool to rest upon in retirement.  The three legs consisted of a government Social Security benefit, an employer pension benefit, and an employee’s personal savings.  These three legs were viewed as entirely adequate to fund a retiree’s remaining years, which incidentally lasted only 5-10 years.  As an aside, the third leg, the employee’s personal savings, was really viewed as “gravy” for the extras that might be desired in retirement. Over the last fifty years, times certainly have changed.  Consider the following items which have thrown this philosophy on its ear. Life expectancy has increased dramatically.  The chart below Read on! →

June 2013 Newsletter

An Update from Clearview Wealth Management. Greetings to each of you and thank you for making Clearview Wealth Management a wonderful success.  The past 3 months have been exciting and busy but what we are most proud of is your trust and willingness to continue our relationship.  We are grateful for this and we are committed to building and furthering this relationship through hard work and responsiveness to all your requests. In this inaugural newsletter, the focus will be operations and client service initiatives.  The operational aspects of what we do often go unnoticed, but they are critical for us to meet and exceed your expectations around service and support of your financial requests.  Future newsletters will resume their attention  on financial planning and investment topics with an occasional update on firm news and industry trends. As you may know, we engaged Charles Schwab, Fidelity Investments and National Advisors Trust Company to serve as custodians of your accounts and the investments they hold.  We are excited to continue these relationships and take pride in the exceptional standard of care they Read on! →