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Market Comment from Pacific Wealth Management (Jan)

The financial markets in 2019 delivered some of the most productive investment returns we have seen in a decade. Last year began with a strong reversal of the steep decline stocks experienced in the fourth quarter of 2018, when it became clear the global economy’s growth was slowing. Counter-intuitively, despite this slowdown, stocks finished 2019 near record highs. Although we don’t expect a recession in the new year, we also do not expect the markets to earn returns close to last year’s results.

Investing Insights
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Social Security: Restricted Application

If an individual was born on or before January 1, 1954, is currently married, or divorced and eligible for a benefit on an ex-spouse’s record, once they reach age 66 (full retirement age) they may benefit from a restricted Social Security application strategy. Assuming they have NOT yet claimed their benefits. In the case of married couples, the optimal strategy is to have the lower-earning spouse file for their own benefits first, and then the higher-earning spouse subsequently files a ‘restricted application’ at full retirement age for their spousal benefit only and delays filing for their personal benefit until age 70.

Retirement Funding Insights
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Planning for Special Needs Individuals

529a ABLE accounts are tax-advantaged savings accounts for individuals with disabilities. The primary benefits include: • Income earned by the account will not be taxed nor will withdrawals for ‘qualified expenses’; a wide array of expenses qualify • Anyone can contribute funds to the account • Value is excluded from consideration in means-testing to determine eligibility for public benefits

Investing Insights
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Market Comment from Pacific Wealth Management (Aug)

The last 18 months have been a roller coaster ride for investors, even though stocks and bonds have delivered strong returns this year. With interest rates around the world declining, the financial markets have been mostly ignoring the increasing number of signs our global and U. S. economies are slowing. The volatility that initially reappeared in 2018, then in early May of this year, and now again within the last week, is increasingly looking like a precursor for more in the future. Although we feel the global economic expansion can continue, our business cycle appears to be in the later stages. Investing is likely to become more challenging from here.

Investing Insights
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