Ten Is the New Four

By Adams Financial Concepts | January 17, 2018 | 0 Comments

It used to be saving 4% of your income over the 40 working years to retirement (22 to 62) would be enough to get you to 80% of your annual salary. Now financial advisors and financial firms are recommending 10%! The reason? Using current financial planning software, modern portfolio theory […]

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The Equation Has Changed Part 2

By Adams Financial Concepts | November 8, 2017 | 0 Comments

Last week I posed a question – why is 10% the new 4%? Why do you need to put 10% of your income away in whatever account is preparing you for retirement, when just a few years ago, 4% was considered a safe nest egg? Let’s look at the math […]

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The Equation Has Changed Part 1

By Adams Financial Concepts | November 8, 2017 | 0 Comments

Do you read the newspaper or listen to CDs? When was the last time your heard the dialup tone? Do you know what a dialup tone is? In just the last 20 years, we have experienced exponential change in everything from how we decide what to have for dinner to […]

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