Preservation Specialists, LLC Blog


We help individuals and families work toward achieving their ideal retirements.

Gen X Prepares to Ascend the Throne

June 7, 2021

Generation X, comprised of adults between the ages of 40 and 55, have entered their prime earning years while at the same time enjoying a bull market for stocks. This demographic represents about a quarter of households in the U.S. (26.8%) and a similar share of household net worth (26.9%). However, many economists see Gen…

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Investment Consolidation Strategies

June 1, 2021

Throughout investment industry and financial media sources we constantly hear the message that our money should be diversified. By spreading assets throughout a number of different vehicles, we can take advantage of various market opportunities while helping protect them from some investment risks. But how much diversification is too much? And what exactly should it…

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New Status on Pension Plans

May 4, 2021

New Status on Pension Plans US | Financial professionals and economists have been talking about the “graying of America” and the retirement crisis for at least a couple of decades. Now, it seems, things have reached a tipping point. Even labor union workers, largely beneficiaries of rich benefits and pension plans, have been hit hard.…

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financial advisors south carolina

What the Stimulus Could Mean for Investors

April 27, 2021

Millions of Americans have embraced the new relief money resulting from the $1.9 trillion America Rescue Plan. They’ve been able to pay for utilities and put food on the table while looking for employment. Those who maintained their jobs throughout the pandemic have embraced the payout as well, but for different reasons. For them, it’s…

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Warren Buffett’s Annual Shareholder Letter

April 13, 2021

Every year, Berkshire Hathaway’s Chairman and CEO Warren Buffett sends a thoughtfully crafted letter to the company’s shareholders from which the investment industry gleans whatever newfound wisdom possible. Given that 2020 was an unusual year by economic, social and financial standards, there is much to glean | Annual Shareholder Letter. Despite the difficulties the U.S.…

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Annuity Insights

April 6, 2021

The Insured Retirement Institute (IRI) – a trade association for the retirement income industry – advocates annuities as a vehicle that can help provide retirees income, guaranteed by the insurer. The organization has been actively educating and lobbying legislators to expand annuity access as part of employer-sponsored retirement plans. Under this scenario, whatever portion the investor…

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Can Money Buy Happiness

Can Money Buy Happiness?

March 30, 2021

In 2010, a study was published by two Nobel prize-winning economists purporting that people with more money feel better about their lives. However, that held true only up to an annual salary of $75,000 ($90,000 in today’s dollars). Past the $75k threshold, people weren’t necessarily any happier. | Can Money Buy Happiness That scenario has…

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Early Withdrawal Penalty

That Pesky Early Withdrawal Penalty: It’s There for a Reason

March 23, 2021

Taxes – Early Withdrawal Penalty | One way for the government to potentially earn more tax revenue is by eliminating the early withdrawal penalty. This is the typical 10%-tax penalty on distributions from retirement accounts by people younger than age 59 ½. If that penalty didn’t exist, investors may be more inclined to pull money…

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market stocks

Is the Market Poised for a Value Shift?

March 16, 2021

The stock market continues to exhibit resiliency in the face of disrupting factors, ranging from a global pandemic to a severe economic decline to a controversial presidential election. For many years, Wall Street analysts warned a market correction was long overdue. Despite intermittent volatility, those concerns largely have not borne out. You may be tired…

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