---
title: Creekmur Wealth Advisors (19)
description: We help create true wealth and retirement income strategies for people in or nearing retirement so their retirement income lasts as long as they do. (19)
---
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## Educate, Encourage, Empower
## [Coronavirus & More](https://blog.creekmurwealth.com/blog/coronavirusandmore)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 11:00 AM on February 28, 2020
[](https://blog.creekmurwealth.com/blog/coronavirusandmore)
## *The 24-Hour News Cycle moves from Impeachment to COVID-19 to the Primaries – What’s next?*
In recent weeks, we’ve seen several major stories in the news. On the political front, in addition to the arrival of the presidential election through the 2020 caucuses and primaries, we have just experienced the third presidential impeachment in American history. In international news, the latest coronavirus outbreak has hit China, now referred to as COVID-19, leading to closed borders and heightened screening at hospitals worldwide.1
It’s not so much the facts of what’s going on that are unusual – none of these matters are unprecedented – but the way that they are reported in the media can be alarming. Even frightening.
[Read More](https://blog.creekmurwealth.com/blog/coronavirusandmore)
0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/coronavirusandmore#comments-listing)
Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Market turbulence](https://blog.creekmurwealth.com/blog/tag/market-turbulence), [market volatility](https://blog.creekmurwealth.com/blog/tag/market-volatility), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement)
## [When A Windfall Comes Your Way](https://blog.creekmurwealth.com/blog/whenawindfallcomesyourway)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 11:15 AM on February 27, 2020
[](https://blog.creekmurwealth.com/blog/whenawindfallcomesyourway)
## **What do you do with big money?**
**Getting rich quick can be liberating, but it can also be frustrating.** Sudden wealth can help you address retirement saving or college funding anxieties, and it may also allow you to live and work on your terms. On the other hand, you’ll pay more taxes, attract more attention, and maybe even contend with jealousy or envy. You may also deal with grief or stress, as a lump sum may be linked to a death, a divorce, or a pension payout decision.
[Read More](https://blog.creekmurwealth.com/blog/whenawindfallcomesyourway)
0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/whenawindfallcomesyourway#comments-listing)
Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Saving](https://blog.creekmurwealth.com/blog/tag/saving)
## [Diversificaton, Patience, and Consistency](https://blog.creekmurwealth.com/blog/diversificationpatienceandconsistency)
Posted by [Creekmur Staff](https://blog.creekmurwealth.com/blog/author/creekmur-staff) on 11:30 AM on February 20, 2020
[](https://blog.creekmurwealth.com/blog/diversificationpatienceandconsistency)
## *Three important factors when it comes to your financial life.*
Regardless of how the markets may perform, consider making the following part of your investment philosophy:
**Diversification.** The saying “don’t put all your eggs in one basket” has real value when it comes to investing. In a bear or bull market, certain asset classes may perform better than others. If your assets are mostly held in one kind of investment (say, mostly in mutual funds or mostly in CDs or money market accounts), you could be hit hard by stock market losses, or alternately, lose out on potential gains that other kinds of investments may be experiencing. There is an opportunity cost as well as risk.1
[Read More](https://blog.creekmurwealth.com/blog/diversificationpatienceandconsistency)
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## [The Major Retirement Planning Mistakes](https://blog.creekmurwealth.com/blog/themajorretirementplanningmistakes)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 11:45 AM on February 6, 2020
[](https://blog.creekmurwealth.com/blog/themajorretirementplanningmistakes)
## *Why are they made again and again?*
Much is out there about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Aside from these blunders, some classic financial missteps plague retirees.
Calling them “mistakes” may be a bit harsh, as not all of them represent errors in judgment. Yet whether they result from ignorance or fate, we need to be aware of them as we plan for and enter retirement.
**Leaving work too early.** As Social Security benefits rise about 8% for every year you delay receiving them, waiting a few years to apply for benefits can position you for higher retirement income. Filing for your monthly benefits before you reach Social Security’s Full Retirement Age (FRA) can mean comparatively smaller monthly payments. Meanwhile, if you can delay claiming Social Security, that positions you for more significant monthly benefits.1
[Read More](https://blog.creekmurwealth.com/blog/themajorretirementplanningmistakes)
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Topics: [Wealth Management](https://blog.creekmurwealth.com/blog/tag/wealth-management), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investments and risk](https://blog.creekmurwealth.com/blog/tag/investments-and-risk), [market risks](https://blog.creekmurwealth.com/blog/tag/market-risks), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement)
## [A Retirement Fact Sheet](https://blog.creekmurwealth.com/blog/aretirementfactsheet)
Posted by [Creekmur Staff](https://blog.creekmurwealth.com/blog/author/creekmur-staff) on 11:45 AM on January 30, 2020
[](https://blog.creekmurwealth.com/blog/aretirementfactsheet)
## Some specifics about the "second act."
**Does your vision of retirement align with the facts?** Here are some noteworthy financial and lifestyle facts about life after 50 that might surprise you.
**Up to 85% of a retiree’s Social Security income can be taxed.** Some retirees are taken aback when they discover this. In addition to the Internal Revenue Service, 13 states currently levy taxes on some or all Social Security retirement benefits: Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Rhode Island, Utah, Vermont, and West Virginia. (West Virginia, incidentally, is phasing out such taxation.)1
[Read More](https://blog.creekmurwealth.com/blog/aretirementfactsheet)
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Topics: [Wealth Management](https://blog.creekmurwealth.com/blog/tag/wealth-management), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [IRA](https://blog.creekmurwealth.com/blog/tag/ira), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Saving](https://blog.creekmurwealth.com/blog/tag/saving), [Social Security](https://blog.creekmurwealth.com/blog/tag/social-security), [Tax on Social Security Income](https://blog.creekmurwealth.com/blog/tag/tax-on-social-security-income), [Taxes in Retirment](https://blog.creekmurwealth.com/blog/tag/taxes-in-retirment)
## [2019 IRA Deadlines Are Approaching](https://blog.creekmurwealth.com/blog/yourchangingdefinitionofriskinretirement-0)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 7:45 AM on January 23, 2020
[](https://blog.creekmurwealth.com/blog/yourchangingdefinitionofriskinretirement-0)
## *Here is what you need to know.*
Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines.
[Read More](https://blog.creekmurwealth.com/blog/yourchangingdefinitionofriskinretirement-0)
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Topics: [Wealth Management](https://blog.creekmurwealth.com/blog/tag/wealth-management), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investments and risk](https://blog.creekmurwealth.com/blog/tag/investments-and-risk), [market risks](https://blog.creekmurwealth.com/blog/tag/market-risks), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement)
## [Your Changing Definition of Risk in Retirement](https://blog.creekmurwealth.com/blog/yourchangingdefinitionofriskinretirement)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 5:45 AM on January 16, 2020
[](https://blog.creekmurwealth.com/blog/yourchangingdefinitionofriskinretirement)
## *Some things to consider.*
During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive,” and that guided how your portfolio was built. Maybe you concerned yourself with finding the “best-performing funds,” even though you knew past performance does not guarantee future results.
What occurs with many retirees is a change in mindset – it’s less about finding the “best-performing fund” and more about consistent performance. It may be less about a risk continuum – that stretches from conservative to aggressive – and more about balancing the objectives of maximizing your income and sustaining it for a lifetime.
[Read More](https://blog.creekmurwealth.com/blog/yourchangingdefinitionofriskinretirement)
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Topics: [Wealth Management](https://blog.creekmurwealth.com/blog/tag/wealth-management), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investments and risk](https://blog.creekmurwealth.com/blog/tag/investments-and-risk), [market risks](https://blog.creekmurwealth.com/blog/tag/market-risks), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement)
## [Retirement Wellness](https://blog.creekmurwealth.com/blog/retirementwellness)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 6:45 AM on January 9, 2020
[](https://blog.creekmurwealth.com/blog/retirementwellness)
**How healthy a retirement do you think you will have?** If you can stay activeas a seniorand curb or avoid certain habits, you could potentially reduceonetype of retirement expense.
Each year, Fidelity Investments presents an analysisof retiree health care costs. In 2019, Fidelity projected that the average 65-year-old couple would spend around $285,000 on health care during retirement, including about $11,000 in the first year. Both projections took Medicare benefits into account.1,2
[Read More](https://blog.creekmurwealth.com/blog/retirementwellness)
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Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Saving](https://blog.creekmurwealth.com/blog/tag/saving)
## [401K Loan Repayment](https://blog.creekmurwealth.com/blog/401k-loan-repayment-0)
Posted by [Creekmur Staff](https://blog.creekmurwealth.com/blog/author/creekmur-staff) on 3:57 PM on January 2, 2020
[](https://blog.creekmurwealth.com/blog/401k-loan-repayment-0)
## *A longer repayment time can be an advantage.*
The conventional wisdom about taking a loan from your 401(k) plan is often boiled down to: not unless absolutely necessary. That said, it isn’t always avoidable for everyone or in every situation. In a true emergency, if you had no alternative, the rules do allow for a loan, but they also require a fast repayment if your employment were to end. Recent changes have changed that deadline, offering some flexibility to those taking the loan. (Distributions from 401(k) plans and most other employer-sponsored retirement plans are taxed as ordinary income, and if taken before age 59½, may be subject to a 10% federal income tax penalty. Generally, once you reach age 70½, you must begin taking required minimum distributions.)
[Read More](https://blog.creekmurwealth.com/blog/401k-loan-repayment-0)
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## [Annual Financial To-Do List](https://blog.creekmurwealth.com/blog/annual-financial-to-do-list)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 1:17 PM on December 12, 2019
## *Things you can do for your future as the year unfolds.*
What financial, business, or life priorities do you need to address for the coming year? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward specific objectives, from building your retirement fund to managing your taxes. You have plenty of choices. Here are a few ideas to consider:
[Read More](https://blog.creekmurwealth.com/blog/annual-financial-to-do-list)
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Topics: [Budgeting](https://blog.creekmurwealth.com/blog/tag/budgeting), [Build True Wealth](https://blog.creekmurwealth.com/blog/tag/build-true-wealth), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Goals](https://blog.creekmurwealth.com/blog/tag/goals), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Investments](https://blog.creekmurwealth.com/blog/tag/investments), [long term objectives](https://blog.creekmurwealth.com/blog/tag/long-term-objectives), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [RMD](https://blog.creekmurwealth.com/blog/tag/rmd), [RMDs](https://blog.creekmurwealth.com/blog/tag/rmds), [saving and investing](https://blog.creekmurwealth.com/blog/tag/saving-and-investing), [Stay focused on objectives](https://blog.creekmurwealth.com/blog/tag/stay-focused-on-objectives)
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- [Financial Scams (1)](https://blog.creekmurwealth.com/blog/tag/financial-scams)
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- [Fraudsters preying on Boomers and Elders (1)](https://blog.creekmurwealth.com/blog/tag/fraudsters-preying-on-boomers-and-elders)
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- [Lessons Learned (1)](https://blog.creekmurwealth.com/blog/tag/lessons-learned)
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- [Uniting Personal Finances (1)](https://blog.creekmurwealth.com/blog/tag/uniting-personal-finances)
- [Wall Street Shocks (1)](https://blog.creekmurwealth.com/blog/tag/wall-street-shocks)
- [Women Investors (1)](https://blog.creekmurwealth.com/blog/tag/women-investors)
- [asset map (1)](https://blog.creekmurwealth.com/blog/tag/asset-map)
- [bull market (1)](https://blog.creekmurwealth.com/blog/tag/bull-market)
- [charitable donations (1)](https://blog.creekmurwealth.com/blog/tag/charitable-donations)
- [compounded interest (1)](https://blog.creekmurwealth.com/blog/tag/compounded-interest)
- [consumer debt (1)](https://blog.creekmurwealth.com/blog/tag/consumer-debt)
- [creating trust fund (1)](https://blog.creekmurwealth.com/blog/tag/creating-trust-fund)
- [cryptocurrency (1)](https://blog.creekmurwealth.com/blog/tag/cryptocurrency)
- [dollar cost averaging (1)](https://blog.creekmurwealth.com/blog/tag/dollar-cost-averaging)
- [emergency fund (1)](https://blog.creekmurwealth.com/blog/tag/emergency-fund)
- [get my credit score reviewed (1)](https://blog.creekmurwealth.com/blog/tag/get-my-credit-score-reviewed)
- [getting out of debt (1)](https://blog.creekmurwealth.com/blog/tag/getting-out-of-debt)
- [getting started (1)](https://blog.creekmurwealth.com/blog/tag/getting-started)
- [gold (1)](https://blog.creekmurwealth.com/blog/tag/gold)
- [grandchild education (1)](https://blog.creekmurwealth.com/blog/tag/grandchild-education)
- [identity theft (1)](https://blog.creekmurwealth.com/blog/tag/identity-theft)
- [impact of presidential elections (1)](https://blog.creekmurwealth.com/blog/tag/impact-of-presidential-elections)
- [paying off debt (1)](https://blog.creekmurwealth.com/blog/tag/paying-off-debt)
- [power of compounding (1)](https://blog.creekmurwealth.com/blog/tag/power-of-compounding)
- [risk of Alzheimers (1)](https://blog.creekmurwealth.com/blog/tag/risk-of-alzheimers)
- [rollover (1)](https://blog.creekmurwealth.com/blog/tag/rollover)
- [save early (1)](https://blog.creekmurwealth.com/blog/tag/save-early)
- [self-employed (1)](https://blog.creekmurwealth.com/blog/tag/self-employed)
- [volatility (1)](https://blog.creekmurwealth.com/blog/tag/volatility)
- [watch for Elder scams (1)](https://blog.creekmurwealth.com/blog/tag/watch-for-elder-scams)
See all
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