In this issue we offer a few insights about the impact of rising interest rates on bonds and how you can help an adult child become a homeowner.

In this issue, we look at rollback of the Department of Labor’s conflict of interest rule—otherwise known as the Fiduciary Rule— and address the important issue of optimizing retirement savings.

CAPTRUST Financial Advisor Mike Gray says that figuring out your income needs in retirement is really all about your expenses—understanding how much you spend each year and what you’re spending it on.

The saying “hope springs eternal” may capture the sentiments of most couples on the cusp of remarriage. But hope alone doesn’t assure smooth sailing the second time around.

Once the kids have flown the nest, or a family business has matured and changed hands, you might decide that a life insurance policy purchased years ago is no longer needed. As life circumstances change, the coverage may not seem worth the premiums.

For most of human history, there was no such thing as retirement. Life was short, and most workers kept on working until they could not work any longer. Then came the 20th century. Social Security, pension plans, and a growing leisure industry helped invent retirement to move aging workers out of the way of their younger and, presumably, more productive colleagues. In many workplaces, mandatory retirement rules made it official. If you were 65, it was time to trade your desk chair in for a recliner.

“After mom died, Dad quickly started dating someone new. He seemed so happy but I couldn’t help but wonder if his new girlfriend was interested in him—or his money?”

No matter where you are in your life, CAPTRUST is here to help you build a diversified investment portfolio with long-term perspective and a focus on your individual risk tolerance. Whether conservative, moderate, or aggressive, our advisors will provide personalized investment advice focused on your financial goals and your appropriate amount of risk.