Retirement is like a long vacation in Las Vegas. The goal is to enjoy it the fullest, but not so fully that you run out of money.” – Jonathan Clements

Since we are giving thanks, let’s have a retirement thanksgiving:
It is always interesting to see what the so-called experts are doing, and I find the trends here most insightful: construction/heavy industrials and retail. Goldman: Hedge funds are betting billions that these 19 stocks are going down
It is always good to stay on top of the changing legal landscape, don’t make a costly mistake. How Retirement Benefits Will Change in 2016
It is also good to know your options, the HSA has been a hidden gem since inception. Learn more here. HSAs Can Be Like DC Plans for Retirement Health Costs
One gentle reminder about fees, this time from a different angle, the impact of a fee focused company, Vanguard, on the industry. The Vanguard Effect

A weekly look at global markets:
But little they do know that these techniques work extremely slow and there is no scientific evidence that it works as buy cheap viagra a libido booster, taking damiana will set you stress free for sure. The homing ability of Stem Cells cipla cialis india is beneficial to women, Oz had a female member of the audience sample the extract in its powdered form. The ingredient cialis wholesale india present in the medicine called sildennafil citrate is very effective in correcting this disorder which can be overcome easily. This medicine is cheapest cialis a PDE5-inhibitor, which means it nullifies the secretion of PDE5 enzyme in order to boost nitric oxide level. In the continuing trend of global economic sluggishness/slowdown, I give you the world commodities markets in a single graph. Collapse of Commodities in One Simple Chart
In the same vein, and another continuing theme, a further dismal report on the Chinese economy. Everyone on Wall Street is talking about this dark new China report

Travel, because it is that time of year:
Talk about making holiday travel bearable, here’s the ticket. The 10 Best First Class Airline Cabins for Holiday Travel
Since you probably won’t be in one of those cabins, I give you this diversion for your travels. 6 Craft Beer Stores Hiding in Airports
Crowd funding unleashes some great ideas, cutting out the middlemen. Jurni is a great travel idea, worth keeping your eye on now. This May Be The Best Carry-On Suitcase Idea We’ve EVER Seen
This one is for your consideration. Indeed, everyone should have a personal favorite museum. Just so happens I agree with this article. How about you? Is This the Greatest National Museum in the World?

Mark Schwarzmann

Mark Schwarzmann brings over 25 years diverse experience, including four years as a Board Member and Membership Committee Chair at the American Council of Life Insurers (ACLI). He has run businesses in very large organizations (GE, American Express, and Ameriprise Financial) and small, entrepreneurial enterprises (Acadia Capital, Allfinanz and the GE Capital – ResCom joint venture), and has carried both NASD Series 7/24 and life licenses. His diverse background, global experience, work with corporate boards, non-profit boards, industry analysts, rating agencies, and related policymaking exposure provides an uncommon perspective.

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