Understanding Today's Financial Environment
Welcome, I'm Norma Jean Rector, Registered Representative, in Charlotte, North Carolina. We understand that individuals face unique challenges as they prepare for retirement. We can help take the mystery out of preparing for today and tomorrow. Whether you are investing to build wealth, protect your family, or preserve your assets, our personalized service focuses on your needs, wants, and long-term goals.
Our team of professionals have years of experience in financial services. We can help you address your needs of today, and for many years to come. We look forward to working with you through all stages of your life, please call (704) 945-7173 for your blueprint plan.
Securities offered through Center Street Securities, Inc. (CSS), a registered Broker-Dealer and member of FINRA & SIPC. Blueprint Wealth Management is independent of CSS. Blueprint Wealth Management professionals are registered and licensed in the following states: North Carolina, South Carolina, and Virginia.
Should You Buy an Annuity from Social Security?
A key challenge many households entering retirement face is how to use their savings as a source of income. As 401(k)s replace traditional defined benefit pensions and as Social Security replaces a smaller share of household pre-retirement earnings, drawing an income from savings becomes increasingly important.
Households have three traditional options. First, they could put their savings in safe assets, preserving the value of their principal, and live on the interest. Second, they could invest their savings in a portfolio of stocks and bonds and draw out an income. Third, they could buy an annuity from an insurance company, giving up their savings in exchange for a lifetime income. In addition to these three traditional options, households could use their savings to “buy” an annuity from Social Security: they could delay claiming their Social Security benefits to get a higher monthly benefit at an older age, using their savings in the interim to pay current expenses. The savings used is the “price” and the increase in monthly benefits is the annuity it “buys.”
Mutual Funds vs. ETFs
Exchange-traded funds have some things in common with mutual funds, but there are differences, too.
The Cost of Procrastination
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.
Interest Rates: How Low Can They Go?
The question used to be how low can interest rates go. Now it's how long can rates remain at their historic low levels?
Knowing the rules may help you decide when to start benefits.
One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans.
This worksheet can help you estimate the costs of a four-year college program.
Preparing for the eventual distribution of your assets may not sound enticing. But a will puts the power in your hands.
There are things about Social Security that might surprise you.
Executors can value the estate on the date of death, or on its six-month anniversary —the “Alternate Valuation Date."
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
Determine if you are eligible to contribute to a traditional or Roth IRA.
This calculator can help you estimate how much you may need to save for retirement.
Estimate how much you have the potential to earn during your working years.
This calculator may help you estimate how long funds may last given regular withdrawals.
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
How federal estate taxes work, plus estate management documents and tactics.
There are some key concepts to understand when investing for retirement
Principles that can help create a portfolio designed to pursue investment goals.
The chances of needing long-term care, its cost, and strategies for covering that cost.
A presentation about managing money: using it, saving it, and even getting credit.
Investment tools and strategies that can enable you to pursue your retirement goals.
Women are great at multi-tasking. But many drop the ball when preparing for retirement.
Have you explored all of your choices when it comes to managing your taxable income?
Smart investors take the time to separate emotion from fact.
When do you need a will? The answer is easy: right now.
Are you ready for retirement? Here are five words you should consider.
Despite recent tax-law changes, a stunning 4.6 million Americans are expected to pay the AMT in 2018.