Quiver Financial News

The final sprint towards retirement can be both exhilarating and daunting. As you approach this major life transition, you may find yourself grappling with complex financial decisions that will shape your retirement lifestyle for years to come. The stakes are high, and the margin for error is slim—especially when managing your investment portfolio, planning for healthcare costs, and optimizing you...

In the past few years, the American government has made efforts to make retirement saving easier for more citizens. Still, many Americans are left to navigate a complex maze of 401(k) plans, investment options, and savings strategies. The move from traditional pensions to self-directed retirement accounts has placed greater responsibility on individuals to secure their financial future. This chang...

As we plan for the future, inflation can loom large over our retirement dreams. Even modest inflation rates can significantly reduce the real value of savings over decades. However, with the right approach, it’s possible to mitigate inflation’s impact on retirement funds. Making informed decisions and adjusting strategies can help retirement savers and current retirees maintain their purchasing po...

Retirement planning is an essential aspect of securing your financial well-being, but the ever-changing rules and regulations can make it a challenge. This year, we’ve seen several significant changes that could impact your retirement savings strategy. Understanding these changes and how they may affect your plans is crucial to helping you make informed decisions. Today, we’re discussing the top r...

Estate planning is crucial to securing your family’s financial future. Without proper planning, your loved ones may face probate upon your passing. The probate process can be lengthy, expensive, and emotionally draining for your loved ones during an already difficult time. However, you have the power to take control of your legacy and ensure a seamless transition of your assets. Fortunately, the ...

Financial planning is a comprehensive process that involves creating a strategic approach to managing your finances effectively. It encompasses various activities designed to help you achieve your short-term and long-term financial goals while maintaining good financial health. Engaging in financial planning can help you clearly understand your current financial situation, identify areas for impro...

We hear a lot in the news about how inflation impacts various industries, grocery prices, and other everyday costs. What we don’t hear about is how inflation—things getting more expensive over time—might impact our plans for retirement. As prices rise, your money’s purchasing power decreases, making it crucial to have a plan that safeguards your financial future against this inevitable risk. Witho...

Health care costs in retirement  can substantially impact your savings. Costs like premiums, deductibles, copayments, and out-of-pocket expenses for prescription drugs and medical services can add up very quickly. In fact, recent studies show that the average couple retiring at age 65 may need up to $315,000 to cover healthcare expenses throughout their retirement years. Failing to account for the...

“What does the Yen have to do with my investment and retirement portfolio?” Many financial advisors may be hearing this question from their clients in the next few weeks.  Why?  Well, believe it or not, the Japanese Yen has been very important in creating global wealth in the last three (3) or so decades.  How?  Well, there’s a thing called the Yen Carry trade—and if you haven’t heard of it yet, i...

Saving for retirement is daunting for most people, especially those who don’t receive retirement assistance from their employers. Without proper guidance and support, many employees struggle to adequately plan for retirement, leading to financial stress and uncertainty. Employees facing an uncertain financial future may experience increased anxiety and decreased job satisfaction, resulting in lowe...

A 401(k) is one of the easiest and most popular ways people save for retirement. But, considering the cap on annual contributions, high-income earners might feel they’re not truly maximizing their 401(k)’s potential. But I’m here with good news: there’s a relatively simple trick high-income earners can use to contribute to their plan beyond the annual 401(k) limits. And we’re here to tell you all...

This week we tackle the world and discuss housing prices, The new rule that demolishes the 6% selling commission to realtors, Why the Federal Reserve is in Uncharted waters and How more lunatics think we should be going to a 4 day work week and the effects that will have on our unemployment numbers.  Enjoy!      https://finance.yahoo.com/video/housing-market-playing-big-role-144046599.html   https...

2026 is still a few years away. Even so, high-net-worth families face a pivotal change in their financial planning landscape due to a scheduled federal estate tax sunset. This term refers to the expiration of the temporary provisions introduced by the Tax Cuts and Jobs Act (TCJA) in 2017, which significantly increased the estate tax exemptions. Currently, these exemptions allow individuals and mar...

Last but not least, we ended on a conversation about Oil prices in 2024 and whether they will get weaponized by Suadi, Russia, China, etc as we head into the election and how this could play into why The Fed may not be able to lower rates later this year.  The conversation is a must see if you are curious about investment opportunities from rising Oil prices.  Will Oil prices become weaponized in...

We finished up the Market Update Livestream with a conversation about the recent breakout higher and all-time high prices in Gold and how this trend may continue to play out in 2024.  If you have been wondering about Gold and whether it’s worth your attention, you can watch what we are seeing in Gold markets Gold prices have recently broken higher to new all-time highs. How high can Gold prices cl...

After we literally beat the interest rate conversation into the ground, we moved on to discussing stock markets and two (2) patterns, one bullish and one bearish, that may be developing in equity markets. We shared the chart patterns we are watching and discussed what adjustments we have made in the first part of 2024 to our account allocations to increase our exposure to dividends and yield withi...

If you are concerned about how difficult it may be to create income without losing principle in a rising interest rate environment it’s a good watch.  You can view “Why The Fed May Not Be Able To Lower Rates” Hear what we are watching for in interest rates that could surprise investors and what you can do to protect your investment portfolio as we discuss how demographic trends may prevent The Fed...

If you are concerned about how rising interest rates may affect your portfolio, you’ll want to watch the entire section that discusses Interest Rates and what we are watching for.    We wrapped up the interest rate conversation on a solid question from Justin about the possibility that interest rates may have made a historical shift in 2021 from lower for decades to higher for longer, and what tha...

Are you curious to know more about the direction of interest rates, stocks, gold, and oil and how your portfolio may be affected? In this brief promo clip, hear about everything we discussed in the Quiver Financial Market Update for March  2024.     We started the March 2024 Market Update Livestream with a discussion on how stock markets have seemingly become obsessed on the thought that The Feder...

Medicare is a federal health insurance program that provides essential health care coverage to millions of Americans. Established in 1965, Medicare has become a crucial safety net for those who need it most, ensuring access to quality medical services and treatments. This government-run program is designed to help people manage the rising healthcare costs, offering a range of benefits and services...

In this Weeks episode of tackling the news media problem of only giving half of the truth behind the stories they write.  We discuss Credit Card debt, Private Equity, Defaults, 60/40 portfolios and for the first time ever a 50 to 1 stock split.  Enjoy!   https://apnews.com/article/chipotle-stock-split-nyse-9dc26a24bf5c356a188a992fff0ca2ca In an announcement Tuesday, the burrito chain lauded the pr...

Find out what we are seeing in the trends of stocks, interest rates, gold and oil through March of 2024. Are we in a new bull market for stocks? Are interest rates higher for longer or will The Fed start cutting rates in 2024? What is happening in the trends of commodities like gold and oil? Are they in the early stages of secular bull markets? All these questions and more including discussions on...

In this week's episode we talk about two interesting articles. The first one is that Social Security is Dead and people dont realize what is going on. Second is the Private Equity is coming to your community and destroying lives. ENJOY!!! https://www.cnbc.com/2024/03/14/a-firm-that-serves-kids-with-autism-grew-until-it-had-265-clinics-then-private-equity-took-over.html A firm that serves kids with...

For high-net-worth individuals,  estate planning  goes beyond basic wills or trusts. It’s an intricate process that requires careful consideration of various financial instruments and legal structures to protect assets from excessive taxation and ensure they are distributed according to their wishes. The key difference in estate planning for those with significant wealth is the complexity and the...

Estate planning is a strategic process where you outline how your assets should be managed and distributed after your death or in case you become incapacitated. It goes beyond deciding who gets what to include measures that ensure your wishes are respected, minimize potential legal hurdles, and provide peace of mind for you and your loved ones. At its core, estate planning is about taking control...