Windward Passages
October 2017
From Data Breaches to Ransomware 
How to Avoid Becoming The Victim of a Cybercrime

Each time you connect to the Internet, you risk becoming the victim of a cybercrime. It's the price we pay for living in a digital world - whether it's at home, at work, or on your smartphone.

 
 
 

Medicare and Your Employer Health Plan
 
  
If you plan to continue working after you reach age 65, you may be wondering how Medicare coordinates with your employer's group health plan. When you're eligible for both types of coverage, you'll need to consider the benefits and costs, and navigate an array of rules.
 

Drawings by Carl Richards

We love Carl Richards and his simple, yet clever behavioral finance drawings!  This one is appropriately titled "Rearview-Mirror": 
Does Your Business Need a Buy-Sell Agreement? 

When you're mired deep in the day-to-day challenges of the management of your business, it's often hard to step out of the trees and take a good hard look at the forest. But at various points in the business cycle, it's important to do just that. For example, one of the key decisions you'll need to consider is what would happen to your business if you decide to step away, or you die or become permanently disabled. A buy-sell agreement can be a useful tool in helping you plan for these circumstances.

 
Quote

"A goal without a plan is just a wish"  - Antoine de Saint-Exupery

How Do Economists Measure Inflation, and Why Does it Matter to Investors?

The Federal Open Market Committee (FOMC) adjusts interest rates to help keep inflation near a 2% target. The FOMC's preferred measure of inflation is the Price Index for Personal Consumption Expenditures (PCE), primarily because it covers a broad range of prices and picks up shifts in consumer behavior. The Fed also focuses on core inflation measures, which strip out volatile food and energy categories that are less likely to respond to monetary policy.

 
News Around Windward
What's Happening Around the Windward Offices 

If you are a Windward client, you may notice something new this 3rd quarter: no more quarterly reports. Why not? This information is always available on your Windward Portal and is updated daily!  We also review account performance at each Regular Progress Meeting and any time per client request.  You can login to your Windward Portal by going to the Client Login section of our website. Need a password reset to your Portal? Contact Brandy at bward@windwardfp.com for help logging in to your Windward Portal.