A BREATH OF FRESH AIR IN THE SMOGGY WORLD OF FINANCE

Frank Ragonese, Ph.D., whose clients call him “Dr. Frank,” is the founder and Managing Partner of Pelican Wealth Advisors, LLC, a “fee-based,” asset management Registered Investment Advisor firm.  Frank has a Ph. D. in engineering and was a college professor in his early career.  He has more than 25 years of experience in business and finance, including 10 years as head of Risk Management for one of the largest corporations in the world.  “Dr. Frank” founded Pelican…

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RETIREES: WATCH OUT FOR TAXES

If you’re near retirement, you may be looking forward to the day when taxes get simpler. You could be disappointed. “The tax return changes drastically when you go from a working mode to a retired mode,” says Ed Phelps, an IRA expert from Miami. Of course, everyone’s tax situation is different, but here are some tax issues you may encounter and ways to lessen their impact. Deductions may disappear If your children are grown and your house is…

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DO NOT DIE TILL YOU READ THIS

What you need to know about estate planning, including why you may need a will and assigning a power of attorney. 1. No matter your net worth, it’s important to have a basic estate plan in place. Such a plan ensures that your family and financial goals are met after you die. 2. An estate plan has several elements. They include: a will; assignment of power of attorney; and a living will or health-care proxy…

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SO YOU WANT YOUR SAVINGS TO GROW?

The TIPS portfolio is a “Tactical Investment Portfolio Strategy” that is growth oriented and more actively traded than either the SIPS portfolio. It’s objective is to take advantage of “opportunity trades”  using Exchange Traded Funds (ETF’s) that move either in tandem or opposite to the major market indices.  For example, if the S&P 500 is “flat” or moving down, TIPS will search and purchase one of over 5,000 ETF’s that is currently increasing in value to help…

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MAKING MONEY WITH MUTUAL FUNDS

The SIPS portfolio is a “Strategic Investment Portfolio Strategy” that consists of equities designed for growth over a 3-5 year horizon.  This strategy utilizes mutual funds which are selected from a list of over 17,000 funds using a proprietary process. As a fiduciary investment firm, PWA is free of any conflicts of interest in choosing mutual funds.  This may not be the case in a commission based, large wire house that has close relationships with…

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WILL MY SAVINGS BE ENOUGH?

As you approach retirement one of your understandable concerns is creating an income stream that will last through your retirement. Regardless of your personal wealth, you have a specific lifestyle that you undoubtedly would like to continue as you travel through your retirement. We have several strategies, including tax deferred investments that give you and your family a reliable continuous stream of retirement income, much like a pension.  We also focus on minimizing any tax…

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IF STABILITY IS WHAT MATTERS

The FIPS portfolio is a “Fixed Income Portfolio Strategy” that is actively managed on a daily basis to deliver dividends in the range of 4-8%/yr. This portfolio typically contains ETFs (Exchange Traded Funds) and/or mutual funds.  All positions in this portfolio are chosen for their dividend stability based on historical performance. It also may contain publicly traded REITs (Real Estate Investment Trusts), as well as high yield bond,  master limited partnerships and utility ETFs.  This…

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WHY WAS MY SSA CHECK SHORT THIS MONTH?

Your Medicare Premiums Are Higher Than You Expected Seniors are eligible to enroll in Medicare in the year they turn 65. If you sign up for Medicare Part B, your premiums are deducted from your Social Security benefits. For 2018, the standard monthly premium is set at $134. However, it’s entirely possible that you could end up paying more if you fall into a higher tax bracket. For certain high-income earners, premiums are equivalent to 30, 50, 65 or 80% of…

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DOW OPENS AT 26,543.33

BUT FUTURES ARE DOWN Jobs report, FOMC meeting, earnings — What to know in the week ahead MCDONALDS (MCD): Experts expect McDonald’s to report earnings of $1.76 per share on earning of $4.93 billion. A year ago, McDonald’s reported adjusted earnings per share of $1.79, which was up 22 percent from 2016, and total revenues of $5.1 billion.

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THE ANNUITY: HOW TO GET FIXED INCOME FOR LIFE.

PELICAN WEALTH UNIVERSITY PRESENTS

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