Preservation Specialists, LLC Blog


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

Municipal Bonds

An Update on Municipal Bonds

April 5, 2022

Municipal bonds are popular among retirees and near-retirees as they seek to reduce market risk and position assets for a lower tax bill. One way to diversify across this sector is to invest in municipal bond mutual and exchange-traded funds. In 2021 alone, that’s where investors placed a record-high $96.8 billion of their money. With…

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remote-work-trend

Market Jitters

March 29, 2022

In mid-to-late January, investors experienced one of those common but utterly nerve-wracking pullbacks in the stock market. An accumulation of factors — inflationary pressure, potential adjustments to monetary policy, geopolitical concerns — combined to put the stock market into a tailspin. If there is one reminder that might provide investors comfort, it’s that none of this…

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How Could Inflation Affect Your Retirement?

March 22, 2022

In recent months, Procter & Gamble has raised prices for its Tide, Gain, Downy and Bounce product portfolio. It recently announced that this spring, consumers also will start paying more for many of its personal health care brands. The company is hardly alone. Nestle, Danone, Unilever and other consumers goods giants say their prices will…

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Retirement Plans for Self-Employed People

Retirement Plans for Self-Employed People

March 15, 2022

As America’s work environment continues to evolve, one thing that has become evident is that — in many cases — the work-from-home (WFH) model has proved to be effective and even cost efficient. However, many companies with significant investments in their office buildings and campuses are not likely to want their employees to keep working…

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The Fed Changes the ‘FAIT’ of Economic Recovery

March 8, 2022

In the summer of 2020, the Federal Reserve announced its new approach to monetary policy on inflation. The Fed previously used a 2% inflation target. If inflation rates fluctuated above or below 2%, it would contemplate a change in the federal funds rate (FFR) to either restrict or enhance money flow in the economy. The…

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Millennials Step Up

March 1, 2022

In 2019, the millennial generation (born from 1981 to 1996) surpassed the number of baby boomers (born between 1946 and 1964) in the United States. Today, one in four people is a millennial. Many millennials came of age at the turn of the millennium, which means they were aware of the fallout from the 9/11…

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Financial Perspective: Marry, Cohabitate or Stay Single?

February 22, 2022

People have many different reasons for getting married or not getting married. But for some committed couples, it can come down to a few basic points. One of those is finances. If they hold very different opinions or have contradictory habits when it comes to spending money, finances can become a deal breaker — much…

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remote-work-trend

Market and Economic Outlook

February 15, 2022

The last month of 2021 was filled with lots of new information — the new omicron variant of the coronavirus first hit U.S. shores, along with cautions that its level of vaccine resistance is best mitigated by a booster shot. That’s good news for the fully vaccinated. The unvaccinated, unfortunately, are months away from that level…

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Early Withdrawal Penalty

The Taxing Landscape of the IRS

February 8, 2022

It seems that millions of taxpayers still have not received their tax refunds from 2020 and even 2019. A major reason is due to the defunding of the IRS. Between 2010 and 2019, the department’s funding was cut by 20% in inflation-adjusted dollars, which has led to a 22% reduction of staff. Not only has…

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