Author: Cathy C. Miller, MBA, CFP®, CRPS®, CDFA™

Bulls, Bears, Elephants and Donkeys: Do Midterms Turn the Markets into a Zoo?

As we “go to press” with this newsletter, the midterm elections haven’t been held, and no one knows for sure what the outcome will be. The pundits put the chance of the Republicans keeping the Senate at about 71% and the chance of the Democrats taking the House at a slightly lower percentage, but still likely. Of course, there are many recent examples where these kinds of predictions not only missed the mark, but missed spectacularly.

“…Few can claim the ability to reliably predict elections – look no further than the Brexit vote and the 2016 US presidential election…,” Mike Ryan, Chief Investment Officer for the Americas, UBS Global Wealth Management pointed out. In fact, some pundits projected a 5% to 20% decline in U.S. markets if Trump was elected. As we know, predictions grabbed headlines, but those declines didn’t materialize.

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Retiring Early Despite Unexpected Divorce

The incidence of “gray divorces,” when couples over 50 years of age decide to go their separate ways, has doubled in the last 25 years. During that same period, divorce among partners who are 65 or older tripled. Growing old together may be overstated.

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Should I Maintain Life Insurance on My Ex-Spouse? How Much Should I Purchase and How Do I Make Sure it Stays in Place?

The primary purpose of life insurance is to fill a financial “gap” that you might face upon the death of someone you depend on financially. While the need for life insurance is generally obvious with a married couple, many people overlook the need for life insurance on an ex-spouse. If you receive alimony and/or child support, life insurance can provide critical protection if your former spouse were to pass away.

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Georgia (Tax Reform) on My Mind

You’d probably have to look long and hard to find someone who didn’t know that federal tax laws changed in 2018. But how many people realize that Georgia income tax laws have changed too?

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How Will I Pay for My Children’s College? What Will I Do if My Ex-Spouse and I Can’t Agree on How Much to Contribute to College?

A college education has come to be thought of as something every child in America is entitled to, and something that every parent wants to provide. Seeing your child go to college is almost as much a part of the “American Dream” as owning your own home. But with college costs rising far faster than general inflation, a 4-year education at a pricey private school can easily exceed a quarter of a million dollars. And even 4 years at an in-state public school can easily exceed $100,000 per child.

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Early Retirement Becomes Attainable with Expert Financial Planning

Planning for retirement at any age is always complicated, but when a couple or individual wants to retire at 55, goal attainment can be even more difficult. Careful management and allocation of resources, paired with inventive income-boosting and tax reduction strategies, are the keys to a successful early retirement.

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Hear How Atlanta Financial Makes Life’s Journey Richer

Atlanta Financial TV is home to a variety of videos that allow clients and associates to obtain knowledge, insight and experience. Tune in to learn more about our approach to comprehensive wealth management.to comprehensive wealth management.

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