WealthTrace Financial Planning & Retirement Planning Blog


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  • Where You Live In Retirement Matters

    by Doug Carey | Sep 06, 2018
    Because the cost of living varies so much across the country, retirement savings will go a lot farther in some places than in others.
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  • Americans Are Not Saving Enough For Retirement

    by Doug Carey | Aug 28, 2018
    The savings picture for Americans continues to look grim. Although the average American household has over $175,000 saved, this figure is skewed by the very wealthy in this country. The median savings number is much important and it tells a different story.
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  • The Looming Pension Crisis And Your Retirement Plan

    by Doug Carey | Aug 01, 2018
    Many who worked for the local or state government over the past few decades were certain they could retire in their 50s with a large pension and gold-plated health benefits. This is what they were promised. But it turns out, most of these promises were nothing but Ponzi schemes where the payments coming in would eventually not be enough to cover the payments going out.
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  • What A Flattening Yield Curve Might Mean To Your Retirement

    by Doug Carey | Jul 16, 2018
    Historically speaking, a flattening yield curve that turns into an inverted yield curve has been a pretty good predictor of recessions. Under normal circumstances, with an economy humming along the way ours has, long-term rates will be significantly higher than short-term ones, creating an upward sloping curve. The main idea here is that bond investors demand higher yields in the longer term to account for the risk of inflation, which would eat away at their returns the same way it eats away at your purchasing power.
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  • What Happens To Retirement When There Are Unexpected Expenses

    by Doug Carey | Jul 06, 2018
    Many Americans are playing roulette with their retirement as they don’t have enough saved for emergencies.
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