The Setting Every Community Up for Retirement Enhancement (SECURE) Act was passed late last year and set in motion real changes for how you will manage their retirement going forward. Here is a break-down of the changes and thoughts for managing the impact: Required minimum distributions (RMDs) from IRAs, 401(k)s, etc., are no longer required at age 70½, as this has changed to 72. Inherited (beneficial) IRAs that are established after January 1, 2020, that are also non-spousa

The SP500 returned 19% in 2017, -6% in 2018, and 29% in 2019. Technically, stocks are likely to continue to rise another 6% to 3,420, which is the symmetrical opposite to the Dec 2018 low. If this high is reached, the risk of a correction is strongest. (See chart.) BlackRock, the world's largest asset manager, says that emerging market currency and stocks are significantly undervalued. This has been the case for many years, however, due to the strengthening US dollar, foreign