When it comes to investing, people often want a simple answer to a complex question: How is my portfolio doing? The truth is that most of your results ultimately depend on how you’ve chosen to structure your portfolio. Your choices, such as allocation between stocks and bonds, your balance between U.S. and international markets, and…

Retirement income planning is one of the most important challenges in financial services today. People are living longer, traditional pensions are less common, and Social Security alone often does not provide enough to cover the lifestyle many retirees hope to maintain. The responsibility now falls on individuals to turn their accumulated savings into a reliable…

If you’re looking ahead to retirement and thinking about addressing your long-term care needs as you age, you may want to consider a continuing care retirement community (CCRC). A CCRC, also known as a “life plan” community, is a retirement community that provides a continuum of care – independent living, assisted living, and skilled nursing…

It’s not exactly cocktail party conversation, but somewhere between talking about travel plans and the grandkids, most retirees eventually start to wonder: What happens if my memory starts to slip? It’s a tough thought, and for many, it’s easier to ignore. But planning for cognitive decline isn’t about being pessimistic. It’s about protecting your future,…

This report features world capital market performance and a timeline of events for the past quarter. It begins with a global overview, then features the returns of stock and bond asset classes in the US and international markets. The report also illustrates the impact of globally diversified portfolios and features a quarterly topic. Download Quarterly…

Retirement is often painted as a picture of freedom: long mornings with coffee and no alarm clock, spontaneous travel, time to read, relax, and finally catch up on the things you never had time for. And while all that sounds great, the reality of retirement is a little more nuanced. Once the novelty wears off,…

Gone are the days of gold watches and a permanent tee time. Today, retirement isn’t so much a finish line as it is a mindset shift from “What do I have to do?” to “What do I want to do?” Maybe you’ll keep working, but on your terms. Maybe you’ll travel, volunteer, or finally pick…

If it feels like there’s a new investment idea popping up every week, you’re not imagining it. From cryptocurrencies and thematic ETFs to private placements and managed futures, today’s investment landscape is overflowing with options. But just because an opportunity sounds promising, or everyone else seems to be getting in, doesn’t mean it’s the right…

If you’re an investor today, you’re likely swimming in opportunities. There’s no shortage of funds, factors, or financial innovations vying for a spot in your portfolio. But with so many options (and so much buzz), it can be hard to separate what’s truly valuable from what’s simply trending. To decide what earns a seat in…