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Will Social Security Be There for You?

Ron Kelemen - Tuesday, July 18, 2017

Every July the trustees of the Social Security Trust Funds for the Old-Age & Survivors and Disability Insurance (OASDI) release their annual report on the health and long-range outlook of Social Security.   The projections are based on numerous actuarial assumptions, which you can find in their 2017 Trustees Report.  (The ones in the figure below are their intermediate assumptions.)  The good news is that more money is still coming into the funds than going out.  Payments to beneficiaries come from these reserves, interest earnings, and payroll taxes.  The reserves will be depleted by 2034, the same as projected last year.  At that time, benefits can only be paid by incoming payroll taxes, projected to be 77% of what beneficiaries are scheduled to receive.  That is if nothing is done between now and then.  The report projects that increasing the payroll tax by 2.83% could extend the longevity of the trust fund to 2090 and beyond.  But more likely, a combination of fixes could accomplish the same thing.  So, ignore the scare rhetoric about Social Security going bankrupt.  Beneficiaries will still get full benefits through 2034, then about 23% less after that.  So yes, Social Security will still be there for you, and in our opinion, It’s still a good deal. Read Entire Article Here

How Confident Are You About Your Retirement?

Ron Kelemen - Wednesday, July 12, 2017

It takes confidence to retire. You need to know if you'll have enough financial resources to see you and your spouse all the way to the end. You also need to know what you're going to do to stay connected with people, your reason for getting out of bed each day, and how you're going to make your retirement fulfilling. Based on the Employee Benefit Research Institute's (EBRI) 27th Annual Retirement Confidence Survey, Americans need a boost of well-grounded retirement confidence.  Here is our take on the latest results: Read Entire Article Here

Our 2nd Quarter Update is Here

Ron Kelemen - Friday, June 30, 2017

Happy Summer!  You can view our portfolio and economic commentary for the 2nd quarter of 2017 by clicking here.  Be sure to note the special announcement on page 4!  As usual, we welcome your feedback. Read Entire Article Here

Our Latest Newsletter is Here

Ron Kelemen - Monday, May 15, 2017

Happy Spring!  We’re pleased to send you the link to the May issue of The H Group, Inc. | Salem Financial Perspective newsletter.  We discuss the latest retirement confidence survey, saving and paying for college, proposed tax legislation, money attitudes, and our team update.  Plus, we include a bonus photo and update of Brenna and her new baby.  As always, we welcome your comments.  If you would prefer to download a PDF version, click here.   Enjoy! Read Entire Article Here

April 23 is Tax Freedom Day

Ron Kelemen - Saturday, April 22, 2017

Taxes are on everyone’s mind this time of year, now that most of us have filed our taxes—or at least extensions.  Just how much taxes do we pay, and how long do we have to work each year to pay them?  According to The Tax Foundation, Tax Freedom day falls on April 23 in 2017, 113 days into the year.  The Foundation also calculates that: Read Entire Article Here

Two Years of Declines in This Bull Market?

Ron Kelemen - Friday, April 07, 2017

We’ve discussed the many corrections that have happened over the past eight years of this bull market.  As you can see by the table, the number of days of pullbacks of 5% or less and corrections of 10% add up to nearly two of the past eight years.  We have illustrated the start and magnitude of these pullbacks (green bar) and corrections (red bar) on a new graph.  As you can see, the are just a normal part of any market cycle.  We don’t know when the next correction or pullback will occur, or how long they will last, but we can say for certain that they will happen. Read Entire Article Here

Here's our 2017 First Quarter Update

Ron Kelemen - Sunday, April 02, 2017

Happy spring, everybody.  It’s been quite a quarter, and we’re pleased to send you our commentary about it.  You can access it by clicking here.  We discuss recent portfolio changes we made, the state of the current bull market, the Conference Board indicators, and a review of market corrections over time.  Best of all, we have a very exciting surprise on page four.  Your quarterly performance reports will be mailed within the next 7-12 days.  As always, we welcome your feedback.  Enjoy! Read Entire Article Here

FPA Names Our Own Brenna Baucum as Volunteer of the Year

Ron Kelemen - Monday, February 27, 2017

Here is our latest Financial Perspective Newsletter

Ron Kelemen - Tuesday, February 21, 2017

We are pleased to publish our latest issue of The H Group, Inc.|Salem Financial Perspective newsletter.  In this issue we discuss whether or not the stock market is overvalued and why some might say that it is and why others may disagree.  We also explore six ways to financially help adult children and grandchildren and the upcoming “Fiduciary Rule” for retirement plans.  And as always, our popular Team Update.  Click here for a PDF version.  Click here for a web-based version.   Enjoy! Read Entire Article Here

We Are Already Fiduciaries; No Big Deal with the New DOL Rule

Ron Kelemen - Saturday, February 11, 2017
Last June we wrote about the Department of Labor’s (DOL) new Fiduciary Rule.  At that time, it had been in the works for many months, but it finally takes effect on April 10 this year, and a few remaining details take effect in January 2018.
 Read Entire Article Here

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