As the end of the year approaches and you begin to look back on 2018, what changes need to be reflected in your estate plan? Have you gotten married or divorced in the past year? Perhaps you’ve welcomed a new child or grandchild, or experienced a change in your health. So much can change in a year, and it’s important not to let too much time pass before those changes are reflected
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Insights
Estate Planning Projects to Tackle in the New Year
Why Should You Diversify?
As 2019 begins, and with US stocks outperforming non-US stocks in recent years, some investors have again turned their attention towards the role that global diversification plays in their portfolios. For the five-year period ending October 31, 2018, the S&P 500 Index had an annualized return of 11.34% while the MSCI World ex USA Index returned 1.86%, and the MSCI Emerging Markets Index returned 0.78%. As US stocks have outperformed international and emerging markets stocks over the last several years,
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Talk to Your Advisor
In addition to the usual resolutions, the new year is a great time to talk to your financial advisor, revisit your goals and your long-term plan, and discuss any changes in your life or circumstances. This way, you can make sure that your plan accurately reflects where you are now and where you want to be. A great place to start is the Financial LifeMap below. Your financial advisor — working in close partnership with other experts, such as your
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