Third Quarter 2017 Newsletter

During the past several weeks, we’ve seen news headlines dominated by everything from extreme weather to heightened geopolitical risks, with speculation on policy changes in the U.S. an ongoing hot topic. With so many events competing for our attention, how do we know where to focus?

As investors, it’s important that as we acknowledge the impact of these worldwide events, we remember to separate our personal sentiment from our investment strategy. This can be easier said than done, which is why it’s important to rely on trusted economic and market indicators to guide us in the right direction. In other words, focus on fundamentals. The fundamental backdrop for the economy and markets continues to look solid, indicating that the market should be able to weather the ups and downs brought on by the dizzying news flow. Earnings estimates remain strong and economic indicators suggest that the potential for a recession this year or next remains low-both of which reduce the odds that a small correction turns into a big one.

Click here to continue reading our letter.


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In August we held a webinar on Social Security. If you missed it, please feel free to replay.

Below you will find three Life Stages you may encounter during your accumulation phase to retirement. In each of the Life Stages we will provide articles, calculators, and resources to help you save, save more and retire on your own terms! 

Finding a Footing

It doesn’t matter where you are in life, now is the time to take action and save. This is where you can get some sense that whatever action you do take now will put you on track to be able to eventually retire.

Are you confident that your savings rate and investment strategy will allow for you to retire in 40, 30, 20, or 10 years from now?

· Expecting a New Arrival? Learn How to Budget for Your Growing Family, Including Child Care, Insurance, and College Planning

· Financial Boot Camp for New Parents Brochure

· Feed the Pig Website is Aimed at Young Working Adults and Includes a Variety of Helpful Tools, Articles, Tips and Other Resources

· Roth 401(k) vs. Traditional 401(k) Calculator

· Should You Pay Off Debt or Save for Retirement? Video


Building a Nest Egg

Typically, at this stage, your life has gotten more complicated. This is also the time to check if you need a mid-course adjustment to be able to have the retirement paycheck you desire.

Do you need to take make any mid-course adjustments to keep you on track?

Low Volatility: Calm Before the Storm? Video

Closing in on Retirement

Congratulations! You are almost there!  This is the stage to conduct a financial plan to be able to understand what you will actually need in retirement and fine tune your plan to ensure you get there.

Have you looked at your overall strategy to ensure that you get there? Contact Heffernan Retirement Services for an Overall Financial Review today!

The Basics of Social Security Retirement Benefits Video


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