Account Access | Client Vault

Our Blog

Welcome to our blog. Here you can find views on the financial world and keep updated on the latest news.

Retirement: Why to STAY in Chicagoland

Many people consider moving when retiring.

 If you live Chicago or its suburbs, it may be a good idea to stay put.

...
Continue reading
19 Hits

Three Things You Need to Know About the Equifax Settlement

What happened?’

In September of 2017, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.

...
Continue reading
203 Hits

Biotech Breakthroughs Are Wreaking Havoc on Retirement Plans – Are You Prepared?

Biotech Breakthroughs Are Wreaking Havoc on Retirement Plans – Are You Prepared?

Biotech is experiencing a period of breakthrough advancements.  Immunotherapies, gene-editing, stem cell therapies, and targeted cancer treatments are among many technologies providing amazing new avenues to cure previously debilitating and fatal diseases.  The ability to share advancements through the internet has fueled the progress.  People are living longer thanks to these therapies.

Biotech’s advancements are wreaking havoc on peoples’ retirement plans and the effect has been greatly underestimated.  People approaching retirement have watched their parents and grandparents retire from work at 65 and then live a few years before passing.  But average life expectancy has increase from 68 years in 1950 to 79 years in 2013.  It is more and more common to know someone who is 100+ years old.  Strokes, if treated quickly, are no longer the death sentence they once were. 

...
Continue reading
239 Hits

In Case of Emergency (ICE) Plan

In Case of Emergency (ICE) Plan

Oh no!  How do we pay the bills?  Where are the passwords?  Who do we need to contact?  What are the policy numbers?

A sudden illness causes loved ones to scramble.  It can be as simple as how do I know if the mortgage is being paid to where is the policy information for a long term care need.

...
Continue reading
414 Hits

Are You Spending What You Think You Are?

Are You Spending What You Think You Are?

We think we know how much we spend but does what we think actually match the reality of what we are spending?  Sometimes you need to stop and do a reality check.  Keeping close track of your actual spending habits for a period of time not only verifies your spending habits but also makes you acutely aware of just how much we spend each month. 

Just how often do I stop for takeout during the week?  How much does that walk around the mall with friends actually cost me?  Do I actually know how much all my utility bills add up to each month or do I seem to forget about the cell phone bill or the extra Netflix when calculating these monthly charges in my head? 

...
Continue reading
380 Hits

To learn more about the professional history of our advisors/firm, please visit

Brokercheck

Newsletter Sign Up

Tell A Friend

Featured News

Securities offered through Royal Alliance Associates, Inc., member FINRA/SIPC. Insurance and investment advisory services offered through Phase 3 Advisory Services Ltd., a registered investment advisor not affiliated with Royal Alliance.

This communication is strictly intended for individuals residing in the states of AL, AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VA, VT, WA, WI, WV. No offers may be made or accepted from any resident outside the specific state(s) referenced

Copyright © 2019 Phase 3 Advisory Services, Ltd. All Rights Reserved