Entries by Agemy Financial Strategies

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Is the 60/40 Portfolio Still Effective for Retirees Today?

The “60/40 portfolio”—typically defined as 60% equities (stocks) and 40% fixed income (bonds)—has long been used as a general framework for diversified investing. It is often referenced in discussions of retirement income planning due to its historical balance of growth potential and relative stability. However, changing market conditions, inflation trends, and evolving retirement needs have […]

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Retirement Income Strategies During Market Volatility

Recent market volatility has reminded investors that even after periods of strong performance, markets can change direction quickly. While short-term fluctuations are a normal part of investing, they can feel especially concerning for retirees who depend on their portfolios to help generate income. Rather than attempting to predict what markets will do next, having a […]

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Three Keys to a More Confident Retirement

Retirement is one of the most significant financial transitions you’ll ever experience. After decades of saving and investing, the focus often shifts from accumulating assets to creating a sustainable plan for generating income, managing risk, and preserving wealth. Yet many retirees and pre-retirees share a common concern: uncertainty. Will my investments support my lifestyle? Am […]

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Wealth Preservation Strategies for High-Net-Worth Individuals

At a certain level of financial success, the conversation naturally shifts. It is no longer solely about accumulation — it becomes about preservation, efficiency, legacy, and control. For high-net-worth individuals (HNWIs), wealth is not simply measured in numbers on a statement, but in the ability to sustain a lifestyle, support future generations, and preserve financial […]

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Succession Planning for a Lasting Legacy

Family-owned and operated businesses are the backbone of the American economy. They reflect resilience, tradition, and long-term vision, often built through decades of dedication, sacrifice, and commitment across generations. On National Family-Owned & Operated Business Day, we recognize the families behind these businesses and the important role they play in their communities and industries. Along […]

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Hidden Costs That Can Impact Retirement

Planning Beyond the Obvious When people think about retirement, they often focus on the major expenses they expect to face, such as housing, healthcare, travel, and everyday living costs. While these are certainly important considerations, many retirees encounter additional expenses they did not fully anticipate during their working years. Even a well-prepared retirement strategy can […]

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The Biggest Shift in Retirement Planning Most Investors Miss

Retirement Isn’t a Date — It’s a Financial Shift Retirement is often thought of as a milestone you reach at a specific age—62, 65, or 67. Those ages may determine when you can access certain benefits like Social Security or Medicare, but they don’t define what retirement actually is. From a planning perspective, retirement is […]

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Are You Taking Too Much — or Too Little — Risk Into Retirement?

Retirement planning often presents a surprising paradox: the same investment strategy can feel both too risky and not risky enough—sometimes at the same time. For decades, investors have been encouraged to reduce risk as they age by shifting away from equities and toward more conservative holdings. While that principle has merit, modern retirement planning has […]

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Your Mid-Year Financial Check-Up: A Strategic Reset for High-Net-Worth Individuals

For high-net-worth individuals (HNWIs), financial planning is rarely a once-a-year exercise. Markets shift, tax laws evolve, investment opportunities emerge, and personal priorities change, often faster than expected. That is why the middle of the year presents a critical opportunity to pause, evaluate, and recalibrate your financial strategy before year-end deadlines begin to narrow your options. […]

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