Author Archives: Brian Loy

About Brian Loy

Brian Loy writes insightful and inspiring articles about the ever-changing world of personal finance and the global trends that affect the risk and return on investments and shape the financial- and retirement-planning process.

National Financial Planning Month – 3 Things Smart Savers Do

Fall is a dramatic change of seasons. It feels like time slows as we transition from the hustle of summer activities, put away the toys, harvest the garden and prepare for the coming winter. With transitions and the traditional back … Continue reading

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Finance Tips for Late-Blooming Retirement Savers

Is it too late to start saving for retirement if you’re in your 50s? There are generally five phases of retirement planning – accumulation, pre-retirement, then early, mid and late retirement. Absolutely, it’s easier when you start early. In the … Continue reading

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Retool and Retrain: New Education Planning Considerations

The fall tradition of “Back to school” has a new look as we adapt for Covid. However, there are more adults going back to school at 30, 40, 50 and beyond. The reasons are numerous and completing their degree or … Continue reading

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When to Break Investment Rules – Not Investing Like Your Age

Consider breaking rules when it comes to how you invest your money. Imagine being sixty years old. Conventional thinking is you should be a more conservative investor and take less risk – you’re not forty anymore. Should you? And the … Continue reading

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Planning Finances for Retirement and Dementia

Will I be cooperative and turn in my car keys if I’m unable to drive safely when I’m old? Or will I put up a big stink? Retirement planning is often about saving and investing, tax reduction, insurance, and passing … Continue reading

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Four Financial Risks During COVID-19 You Can Cover

Life’s often about adapting and adjusting. Living with COVID-19 has and will likely continue to bring its challenges. We just emerged from the deepest and shortest recession in modern history. It appears a second wave is likely, but not another … Continue reading

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Restoring Financial Wellness during COVID-19

It can be difficult to make decisions when the future is uncertain. Shelter-in-place orders and business shutdowns halted economic activity here and overseas. Some Americans are unsure about investing their 401(k)s or have considered tapping their reserves. However, we’re in … Continue reading

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Sudden Wealth Syndrome – Can It Be Cured?

If having more money solved financial woes, then younger generations should be secure, right? In the next 30 years, $36 trillion is expected to pass from one generation to the next. However, squandered money has become so common that a … Continue reading

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How You Can Adjust Your Thrift Savings Plan During COVID-19

COVID-19’s disruptions offer both challenges and opportunities – business shifts, where we work, how we spend our time and money, among others. Some of these are temporary but others are longer term. This article’s focus is on the planning opportunities … Continue reading

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Planning Tips for Parents of the Class of 2020

We are taught to expect the best, plan for the worst and prepared to be surprised. And we learn that success and sanity often depend on how we react, respond and adjust to those surprises. Many are facing new challenges … Continue reading

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