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The economy is good, and Americans are on a spending spree. American household debt hit a record $13.95 trillion in 2019[1]. The majority of U.S. households—about 300,000—hold that nearly $14 trillion in debt. Your household, whether you’re single or married with children, is probably one of them. Your debt—money you’ve borrowed and promised to pay back in the future, usually with interest—is likely a car loan, a mortgage, or a student loan.

In this issue, we offer a few insights about protecting yourself and your data from cybercriminals and how the Tax Cuts and Jobs Act may impact your tax filing for 2018.

“Overall, the threat landscape is dramatically more dangerous for travelers today,” says Bart McDonough, chief executive officer and founder of cybersecurity firm Agio and author of Cyber Smart: Five Habits to Protect Your Family, Money, and Identity from Cyber Criminals.

These stories—based on findings from a study performed by money manager United Income—claim that only 4 percent of retirees are making the financially optimal decision to wait until age 70 to begin receiving benefits. And, while delaying until 70 seems like a stretch, most would benefit by waiting at least until age 65.

In this issue, we explore early retirement package offers, the difference between value and growth investing, and how to get rid of those annoying telemarketer calls.

Do you wonder where you might be on your journey toward financial independence? Would you like some tips to help you see if your savings and investments have you on track to meet your goals? Do you want to see how small increases in saving over time might help you gain peace of mind? Please watch our webinar where we will help answer these and other questions. 

In this issue, we explore the latest Social Security projections and insight on planning for the future of the program, along with a look at the importance of creating and maintaining a home inventory.

In our conversations with clients over the past few months, the main question has been remarkably consistent: Are we on the brink of a recession?