Joanne Reilly

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Meet the blogger

Financial adviser Joanne Reilly, CFP ® , CDFA™, APMA ® (Joanne Reilly and Associates) is a Certified Financial Planner with more than 30+ years of successful experience helping her clients to build exciting futures as well as weather unexpected circumstances. In addition to holding the CFP designation, she also holds the CDFA (Certified Divorce Financial Analyst designation) as well as the APMA (Accredited Portfolio Management Advisor) designation. Joanne, affiliated with Ameriprise and based in Boston, MA, is licensed to practice in multiple states throughout the country (N, S, E, W, as well as the mid-section). A graduate of Smith College, her previous positions included Bank of America (Senior Vice President, Investments and Insurance). As an After-Fiftier, she loves Boston – but also enjoys travel, time with friends and family, tennis, music and the fine arts. She also makes time for an important priority in her life: The Haven Project. The Haven Project is a growing non-profit organization assisting the needs of homeless young adults on the north shore of Boston. Their mission? EQUIP and EMPOWER the growing population of unaccompanied and at-risk young adults ages 17-24 in the geographical area with the skills and support they need to achieve their life's purpose. Visit Joanne on her website at Joanne Reilly and Associates, on Facebook and on Linkedin.

Pay Off a Mortgage or Invest? 3 Steps – You Decide

Key Points Paying off a mortgage early could reduce overall interest paid over time Investing the funds could yield a better return than mortgage interest saved With interest rates changing, it may be time to reevaluate your options Entering retirement with the mortgage paid off is a common aspiration. Paying off a home loan even sooner than that c...Read More

3 Tips for Selling Investments

Key Points Knowing when to sell is just as important to building wealth as knowing when to buy Emotional decision making could impair your ability to make good long-term choices Rebalancing your portfolio on a regular basis can help lock in gains and avoid losses On May 17, 2017, the Dow Jones Industrial Average Index dropped 373 points after a ser...Read More

Preparing for Retirement: Top Trends

Key Points Most workers are preparing for retirement, but many aren’t sure whether they’re saving enough About 37% of workers expect they’ll need $1 million or more in retirement savings Those with a formal plan are almost twice as likely to feel confident about the future Most Americans are fairly confident about preparing for retirement – are you...Read More

Talking Money with Siblings: Beyond Rivalry

Key Points Nearly two-thirds of siblings talk about money with each other While financial conflicts are rare, they usually involve issues regarding parents Uniting to deal with money issues can help protect family assets Talking about money with immediate family members is not always an easy conversation to initiate. Why? For starters, the conversa...Read More

3 Tips When It Comes To Money and Our Adult Kids

  –  Millennials are navigating a tough job market and a post-recession economy –  Financially supporting adult children could deprive them of “teachable moments” –  Sharing your experiences is an invaluable way to teach fiscal responsibility     You probably talked to your kids about money when they were younger — ...Read More

Social Security: How to Plan Around Uncertainty

Key Points ****************** Americans are not confident in Social Security solvency, according to new research Benefit amounts can vary greatly based on the age that you begin collecting Legislative standoff could make other sources of retirement income more crucial ******************* Social Security has been serving as a safety net for over 80 ...Read More

Want An Early Retirement? 3 Key Questions – and Some Tips

Key Points Whether you want to pursue old passions and new hobbies, travel the world, or spend more time with family, many of us dream about an early retirement. The amount of money you will need to retire early depends on your goals, lifestyle and a range of other factors. There are emotional and financial components to planning for an early retir...Read More

Reduce Your Health Care Costs: 6 Great Tips!

Key Points   Medical costs typically go up as you age and can account for a large portion of your overall expenses in retirement. There are many health-care related expenses that are not covered by Medicare or Medicaid. Your health and wealth can be closely tied – especially when it comes to planning for retirement. The actions you take now (a...Read More

Your Home Mortgage: Think Carefully

Key Points If you have extra funds left over after your expenses are paid each month, weigh your options carefully before deciding whether to pay extra on your mortgage or invest more in the market. In addition to weighing interest rates vs potential returns on investments, consider how near or far you are from retirement and how much time you have...Read More

Long-Term Care Insurance: Pros, Cons and Why It Matters

Key Points Long-term care insurance costs can be managed by adjusting your daily benefit levels. Costs vary by location, so it’s best to get local estimates and determine what benefits you may need. New hybrid insurance products can help you or your family benefit from the policy regardless of whether you use the long-term care coverage or not. Lon...Read More

Happy Couples – Their Top 5 Money Habits!

What are the secrets of financially happy couples? The Ameriprise study on couples and money provides some interesting answers. Key Points Most couples agree on money, but those who are not in tune financially tend to have issues communicating on financial matters. While the majority of couples have different money management styles, two-thirds hav...Read More

4 Tips: How To Pay for College

Key Points Student debt of over $1 trillion has surpassed credit card debt in the United States. When it comes to saving and paying for college, be patient and be realistic about what you can expect from financial aid. Start early and consider signing up for tax-advantaged accounts to make the most of your college savings. It doesn’t matter i...Read More

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