Amar Shah 10/10/24 Amar Shah 10/10/24

How Retirees Can Invest with Downside Protection

Retirement presents a unique set of financial challenges for portfolio construction. Many retirees look for ways to generate returns while minimizing risk, especially after spending decades accumulating wealth. At Client First Capital our goal is to protect, preserve and compound. Our portfolio construction is built with two independent portfolios and, depending on our client’s needs, we tailor the mix between these two solutions based on meeting their retirement planning goal and ability to take on risk.

Cary Smith, Director of Business Development 10/9/24 Cary Smith, Director of Business Development 10/9/24

7 Tips for Making the Best of Your Retirement Years

Retirement is not just a significant milestone, but when approached the right way, your next decade can be your best decade. While many of us look forward to our retirement years, retirement can also bring uncertainty about how to fill the days meaningfully. Making the most of your retirement involves more than just financial security; it’s about enjoyment, staying active, and living life to the fullest. Here’s some tips for creating a fulfilling and balanced retirement.

Client First Capital 6/13/24 Client First Capital 6/13/24

Retirement Planning, One Size Does Not Fit All

The recent survey by Northwest Mutual revealing that U.S. adults believe they need $1.46 million to retire comfortably has indeed ignited discussions on the appropriate amount necessary for a secure retirement. This figure aligns with the common notion that a nest egg around $1 million is often cited as a benchmark. Others disagree and point to a survey where 86% of retirees with savings between $50,000 and $99,000 report they are living a comfortable retirement or doing OK.

Amar Shah 5/14/24 Amar Shah 5/14/24

Your Perfect Retirement Soundtrack: Top Podcast Picks for Retirees

In a world buzzing with distractions, finding moments of peace and enrichment becomes essential, especially in retirement. Podcasts offer a serene escape from the noise, providing not just entertainment, but also valuable insights and perspectives. Here's a curated list of podcasts that can transform your retirement journey:

Client First Capital 5/8/23 Client First Capital 5/8/23

A Retirees Perspective on Retirement Planning: Beyond the Finances

Too often, when people think about retirement they focus too much, if not solely, on the financial side of retirement. I had a 35-year career in Financial Services, I understand the importance of being financially prepared. Equally important is the non-financial side of retirement. The “how am I going to live” and “how will I spend my time” side of retirement.

Amar Shah, CFA, CFP® Founder & CIO, Client First Capital 3/13/23 Amar Shah, CFA, CFP® Founder & CIO, Client First Capital 3/13/23

Top 3 Retirement Planning Lessons from Silicon Valley Bank

Well, it’s hard to hide from the news of the Fed and Treasury coming to the rescue of depositors of a failing bank. Silicon Valley Bank is the 20th largest bank in the United States of America and mainly serves the needs of startups and venture capital firms. And because of mismanaged risk and the inability to create liquidity when needed, the bank was taken over by regulators from the FDIC last Friday. This article covers the events that led to the failure of the bank and broader impacts as well as lessons learned from these series of events that can be applied to managing retirement.

Amar Shah, CFA, CFP® Founder & CIO, Client First Capital 2/14/23 Amar Shah, CFA, CFP® Founder & CIO, Client First Capital 2/14/23

Understanding SECURE Act 2.0 for Tax and Retirement Planning

The SECURE Act 2.0, a recent legislative update, ushers in substantial alterations to the landscape of retirement planning. This new law is aimed at bolstering retirement security for Americans and addressing the challenges inherent in the current retirement system. In this article, we'll delve into the key changes brought about by the SECURE Act 2.0 and their potential impact on retirement planning and tax planning strategies.

Client First Capital 3/27/21 Client First Capital 3/27/21

Budgeting for Retirement

In this video, we walk through a few tips for each different phase of retirement.

Client First Capital 3/18/21 Client First Capital 3/18/21

Do Individuals in retirement need an estate plan?

If you are retired, spending down your assets, and don’t have young children that need guardianship, do you really need an estate plan? The answer is still YES because if you don’t have one the government will get to decide!