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Retirement

Welcome to the Steward Advisors Retirement Center

Thinking about retirement can be a stressful time. How will you know when you'll have enough money to retire? What are the best practices when it comes to Social Security? What can you do now to help ensure you can enjoy your retirement? We've compiled resources and information to help you navigate through the many questions you likely have. On this page you will find video/webinars, white papers, articles and more.

How Financially Prepared Are You For Retirement?

 Take This 3-Minute Survey To Find Out

Maximizing Retirement Income: Making Social Security Work For You

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11 Key Questions For Planning A Secure Retirement

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The Problem of Money Paralysis

Not making a move may not always be the best move to make.

A decision not made may have financial consequences. Sometimes, we fall prey to a kind of money paralysis, in which financial indecision is regarded as a form of “safety.”  

Could Social Security Really Go Away?

That may be unlikely, but the program does face definite financial challenges.

Will Social Security run out of money in the 2030s? You may have heard warnings about this dire scenario coming true. These warnings, however, assume that no action will be taken to address Social Security’s financial challenges between now and then.

March 2019 Economic Update

In this month’s recap: domestic and foreign shares (and many commodities) advance, as two major
investor anxieties ease for the moment.

You could say that Wall Street breathed a collective sigh of relief in February. Investors were encouraged by new developments in U.S.-China trade negotiations and by the minutes from the Federal Reserve’s most recent policy meeting. On Main Street, consumer confidence improved, while consumer spending kept pace. Home sales declined once more, but so did mortgage rates. Optimism about the potential of the markets seemed to outweigh pessimism about possible economic deceleration. The S&P 500 gained 2.97% for the month.1

Is America Prepared to Retire?

Are Americans saving enough? Only 19% of U.S. adults describe themselves as “very confident” when asked about their savings. Worry spots include retiring without enough money saved (16%) and anxiety about having a “rainy day” emergency fund (14%). These findings come from the 2018 Consumer Financial Literacy Survey conducted by the National Foundation for Credit Counseling. (The survey collected data from 2,017 U.S. adults.)1

Important IRA Deadlines Are Approaching

Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines.

*April 1 is the absolute deadline to take your first Required Mandatory Distribution (RMD) from your traditional IRA(s).

*April 15 is the deadline for making 2018 contributions to a traditional or Roth IRA.1

Let’s discuss the contribution deadline first, and then the deadline for that first RMD (which affects only those IRA owners who turned 70½ last year).

Succession Planning: Preparing for a Smooth Transition

A successful finale. If you are an entrepreneur, what is the final act for you and your business? If you have been successful, you likely want the company you created to be able to continue once you are no longer at the helm. For that reason, many people in your position create a succession plan to implement when the time comes.

The Steward Approach to Managing Market Volatility

Over the past few months, investor concerns about rising interest rates, oil prices, tech stocks, trade wars and a variety of other daily “headline issues” have resulted in significant market volatility. Looking ahead, volatility may continue as markets adjust to potentially higher inflation and interest rates. To help frame the current market volatility, we offer the following reminders:

When You Retire Without Enough

How much have you saved for retirement? Are you on pace to amass a retirement fund of $1 million by age 65? More than a few retirement counselors urge pre-retirees to strive for that goal. If you have $1 million in invested assets when you retire, you can withdraw 4% a year from your retirement funds and receive $40,000 in annual income to go along with Social Security benefits (in ballpark terms, about $30,000 per year for someone retiring from a long career). If your investment portfolio is properly diversified, you may be able to do this for 25-30 years without delving into assets elsewhere.1

The Great Recession: Ten Years Later

10 Years After the Financial Crisis: What Have We Learned?


Where were you in September 2008?  Over the weekend of September 13 & 14, 2008, it became obvious that Lehman Brothers was in serious financial trouble and probably would not survive.  Being on the “inside” of the financial industry we knew a lot was about to change for us and a lot of other Americans.

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