Retirement Insights

A Tax on Giving – Understanding the Gift Tax Rules

By McLean Asset Management

Getting taxed once is hard enough, but getting hit a second time on the same dollars? That’s enough to give even a compliant taxpayer the urge to toss crates of tea into Boston Harbor. Whether double taxation like the gift tax is morally right or not is a topic for someone else to tackle. But if you…

Read More

The Importance of Your Savings Rate

By Bob French, CFA

How much you save for retirement goes a long way to determining how much you can spend in retirement. The more you save while you’re working, all else equal, the more you can spend in retirement. It sounds straightforward, but it seems to be something that many people forget, or at the very least, seem…

Read More

Medicare Open Enrollment 2022

By McLean Asset Management

Medicare beneficiaries can join, switch, or drop a plan during the annual Open Enrollment Period, which runs from October 15 – December 7, 2022. Each year, Medicare plan costs and coverage typically change. In addition, your healthcare needs or network of doctors may have changed over the past year. Also known as Medicare’s annual election…

Read More

A Terrible Way to Protect a Retiree From Inflation

By Bob French, CFA

People seem to think commodities (especially gold) are suitable guards against inflation. I want to explain why that’s not true – at least over any useful time frame – and then tell you about some of the much better tools available. Commodities are just things. They don’t produce any value in and of themselves. They’re…

Read More

Occam’s – How Buffer Assets Might Be Able to Help Your Retirement

By McLean Asset Management

Planning for retirement is vitally important. And with something this important, many of us want a sense of control. We want to know that our retirement income plan covers all the bases, and that it will smoothly take us through to a successful retirement. But, for most of us, that’s not how it’s going to play out. 

Read More

2022 – Q2 Quarterly Market Review

By McLean Asset Management

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…

Read More

What Does Retirement Mean?

By McLean Asset Management

Retirement has changed. It’s no longer about getting your gold watch and playing golf all the time. Retirement is now a frame of mind – you’re retired when you can do what you want. It doesn’t necessarily have anything to do with whether you are drawing a paycheck or not. Retirement is the freedom to…

Read More

Maintaining Your Portfolio is a Rebalancing Act

By McLean Asset Management

Markets bounce around. That’s just what they do. If they didn’t, they wouldn’t reflect our ever-changing world. As a result, your portfolio bounces around, too, which means your portfolio will eventually look different than it did when you started. Specifically, you’ll be taking the wrong amount of risk. We will want to bring your portfolio…

Read More

The Art of Asset Location

By McLean Asset Management

You’ve probably heard a realtor or businessperson tell you that the three most important factors in determining a property’s value are location, location, and location. It seems crazy when you think about it, but it is so true. There’s a similar rule for investments: asset location. We are constantly looking for the best asset location within…

Read More