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ram·part /ˈram-pärt/ Noun 1. A defensive wall of a fort or castle. 2. A means of protection or defense.

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Get schooled: How millennials can take charge of their finances

When it comes to financial literacy, millennials may be missing the mark. According to a 2014 FINRA study, 82 percent of young millennials have lower levels of financial literacy, and less than half of respondents reported saving for retirement. April marks Financial Literacy Month and we are reviewing common themes that all millennials likely face.… Continue reading →

Are fee policy statements the future for plan sponsors?

I was recently included in a PlanSponsor.com article examining a new trend – fee policy statements. Serving a similar purpose to investment policy statements, a fee policy statement would provide a guide for plan sponsors to follow in order to better manage expenses associated with retirement plans. I offered that fee policy statements are an… Continue reading →

Will Wall Street’s bulls be sidelined by bears?

Bankrate.com’s first-ever Market Mavens Survey recently compiled feedback from an array of investors and Wall Street prognosticators, revealing that 85 percent believe that the S&P 500 will be higher a year from now. I was included in the survey and provided my feedback in a resulting Bankrate article to weigh in on the biggest drivers… Continue reading →

Bond ladders vs. bond funds

For some investors, deciphering whether to buy individual bonds and create a bond ladder or simply put some retirement money into a bond fund is a confusing matter. I was recently quoted in a Money.com piece that illustrates the benefits and drawbacks of bond ladders and bond funds. There isn’t a one-size-fits all strategy for… Continue reading →

Charlie’s month-end reading list

Hello, Ramparts readers. We’ve gathered another batch of articles that we’re excited to share. Enjoy! The first piece by Mary Beth Franklin of InvestmentNews, entitled “Social Security’s negative returns,” reveals that payroll tax contributions exceed lifetime benefits for many U.S. workers. While confirming that Social Security is a bad financial deal for high-earners, the article… Continue reading →

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