Finance

If you are like many Americans, some or all of your retirement income is tied up in the stock market. Perhaps you own stock directly, or participate in a mutual fund, or an annuity, or have invested in a 401(k) or company pension plan. So you probably pay attention to how the market is doing, hoping that your savings will be protected and – hopefully – continue to grow.

By Alain Valles, CRMP, President- Direct Finance Corp. Let's play a little game. The next time you attend a high school class reunion, visit your...

The fear of ending up poor or even running out of money in retirement still gnaws at many women in particular.

By Alain Valles Changes are coming for the federally insured Home Equity Conversion Mortgage (HECM), also known as a reverse mortgage. For the past 25...

By Alain Valles, MBA, CRMP, CSA Hopefully your life has been rewarding and pleasurable. But we all have experienced, or will someday face, life's unexpected...

Even if you’re a set-it-and-forget-it investor, unless you’ve pulled out of stocks altogether it’s likely the stock portion of your 401(k) account has grown significantly in the last few years.

By Alain Valles You’ve worked hard, sacrificed for the kids, tried to save for retirement and chipped away at your mortgage. But now you need...

By Alain Valles There is great joy helping seniors implement a long term home ownership and retirement plan. It is gratifying to see a senior...

By Alain Valles Since 1987, Home Equity Conversion Mortgages (HECMs), also known as reverse mortgages, have been a viable option for hundreds of thousands of...

Steve Newman never expected to be going back to college in his 50s to train for a new job. But the 51-year-old also never expected to get laid off three years ago after 25 years as a civil engineer.