November 2020 Usually, positive momentum is a frame of mind, and it begins with overcoming inertia – notching up enough small victories to really start the ball rolling on some priority, project or behavior. Over time, action becomes easier, becomes habit. Optimizing our habits to ensure that their benefits match their cost in time and energy can be an important part of creating positive momentum. As COVID-19 continues imposing uncertainty on our lives and as we approach a holiday season that likely won’t feel normal, consider these perspectives to help sustain the momentum you’ve built around your financial life plan.

GIVE THE GIFT OF LONG-TERM HAPPINESS

The holidays are nearing, and that means it’s time to start pondering gift ideas. What will you do for the people in your life? While unwrapping a thoughtful present surely does bring joy in the moment, creating experiences alongside such gifts can beget something to remember and relive. Read on for ways to blend the excitement that a gift brings today with its ability to inspire a more enduring sense of happiness. Read the full article.

IT TAKES A TEAM

In addition to your wealth advisor, do you have a solid team of legal, tax and insurance professionals who work with you? Is everyone pulling on the same rope and in the same direction? Learn how we can captain your larger financial team to effectively and efficiently foster collaboration and increase your confidence in your holistic financial life plan. Read the full article.

WHAT IMPACT DO NATURAL DISASTERS HAVE ON YOUR INVESTMENT PLAN?

Major natural disasters – hurricanes, tornadoes, earthquakes and wildfires – seem to occur just about every year, but 2020 feels like it has come with an especially heavy dose of catastrophe. Catch the latest episode of our video podcast series, Ask Buckingham, for our take on how natural disasters affect financial markets and us as investors. Watch the video.

FIXED INCOME'S PLACE IN YOUR PORTFOLIO

Expected return is never the only factor to consider when deciding which investments to include in your portfolio. Managing risk, for instance, is another key consideration. Learn why, despite today’s historically low interest rates and resulting low-yield environment, we believe high-quality fixed income still has a vital place in your well-diversified portfolio. Read the full article.

WHAT'S LONG-TERM DISABILITY INSURANCE? DO YOU NEED IT?

Disability insurance is designed to protect your income in case serious illness or injury keeps you out of work. But it comes in many flavors – short term versus long term, own occupation versus any occupation, group versus individual or supplemental. Get a look at how the right long-term disability insurance can figure into your overall risk-management strategy. Watch the video.

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