Posts by dkelley

Securing the New Normal

Securing the New Normal Historically a company was focused on 4 walls: the walls that encompassed employees, a culture, and a secure environment that houses sensitive data as it pertains to not only your clientele, but also your employees. 2020 taught us that work life exists outside of the 4 walls of an office. When March of 2020 brought about the first wave of COVID-19 most businesses went to a remote work environment. As the world reopens, we are seeing many companies keeping some semblance of remote work. As a business, how are you to adjust to this as it pertains to cyber security? As...

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How will I decide I am ready to retire?

How will I decide I am ready to retire? After 40 or more years working, how do you know when is the right time to retire?  Is it based on your age 62,65,67,70 or does age have nothing to do with it?  Maybe you need to acquire a certain level of assets, one million, two million or even five million or more.  Is it based on my health which is deteriorating, and I want to enjoy what time I have left?  Maybe I cannot handle the stress or negative work environment I am in, is that what will push me into retirement?  I think it is all these things and more.  As we approach our late 50’s and early...

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SECURE Act 2.0 Get the Jump on this Legislation

SECURE Act 2.0 Get the Jump on this Legislation As part of our financial wellness focus for a business, we hope to keep you on the forefront of legislation that can impact the financial wellness of your business and your employees. Even in an era of extreme polarization, both sides of the political aisle can still come to a consensus on issues like retirement legislation. In 2019, a divided government easily passed the Setting Every Community Up for Retirement (SECURE) Act. And regardless of the balance of power going forward, another retirement law, dubbed the SECURE Act 2.0, is currently...

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What is the Planning Gap

What is the Planning Gap? You may recall back in 2008 ING ran a series of commercials showing people carrying around a big orange number that was supposed to indicate the “number” they need to have saved in order to be able to retire comfortably. Today’s world is a little more complex than just working toward achieving a dollar amount that will carry you through retirement. Traditionally there were three components of retirement income that most people relied upon. The first component, an employer defined pension, has all but disappeared for most private sector employees. The next component...

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Don’t Stop Believin’

Don’t Stop Believin’ The year 2019 seamlessly gave way to 2020. Many individuals around the world traveled extensively, enjoyed time with family, and grumbled about their daily commute to and from their 9-5 jobs. What happened in March significantly impacted everyone across the globe. COVID-19 traveled across the world, and life as we knew it changed in an instant. Work and schools went fully remote, commutes were now from the bedroom to your new living room office, zoom/teams arose (who had heard of zoom before 2020…be honest), jobs were lost for millions of Americans, restaurants closed,...

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