Are There Better Options Than the Lockheed Martin Target Date Funds?
The default investment option for the Lockheed Martin Salaried Savings Plan (SSP) and the Capital Accumulation Plan (CAP) is the managed Target Date funds. A Target Date fund is designed to capture the entire investment market in a single fund. In addition, as you approach retirement, the Target Date fund becomes less and less risky. […]
Lockheed Martin MST Voluntary Layoff Program
Lockheed Martin MST recently announced the upcoming Voluntary Layoff Program with the goal of reducing the divisional workforce by 1,500 employees. If you are considering retirement and are eligible for the Voluntary Layoff Program, it may make sense to deeply consider the options. As with all retirement and transition decisions, there are two main components: […]
Rockbridge Understands You – Lockheed Martin
When evaluating a financial advisor, the most important factor is that they truly understand you as a person and your personal situation. At Rockbridge, we have a dedicated focus in working with clients that are employees of Lockheed Martin. Because of this, we already have an expertise in all employee benefits plans and how each […]
Would You Rather Visit an Estate Attorney or a Dentist?
I will make the argument here: Most people would rather go to the dentist than get their estate documents (Living Will, Power of Attorney and Health Care Proxy) in order. Why? The dentist appointment usually only lasts an hour and does not require any preparation or thought in advance. In contrast, the estate planning process […]
Clearing Up Confusion About New Social Security Rules
As you may have heard, there have been some drastic changes to Social Security regarding the file-and-suspend and restricted application methods of filing. These changes were announced back in October 2015 when Congress passed their 2016 budget. (You can read more about the specifics of these changes in this article.) As expected, there has been […]
The Problem With Diversification – Emerging Markets
One of the tenets of successful long-term investing is the practice of portfolio diversification. Through diversification, investors can increase their expected long-term return for a given level of risk (volatility). This is accomplished by investing in assets that are not perfectly correlated to one another, but each asset individually has a positive expected return. This […]
What’s Happening At Rockbridge
2015 was an exciting year of growth and change at Rockbridge. Market returns were less than ideal for the year, but we continue to see growth in our fee-only business model as prospective clients seek out unbiased advice and professional investment management. We are the leading fee-only investment management firm in Central New York, managing […]
Road to Rockbridge
Our Rockbridge team is continuing to grow, and as a new member, I would like to take a moment to introduce myself. My name is Lisa Cellucci. I was born, raised, and educated right here in Syracuse. Even as a little girl, I always loved math and numbers. But maybe even more than math and […]
Surprising New Changes To Social Security
Recently, Congress included surprising Social Security rule changes in the 2016 budget legislation. The bill has now become law and the updated rules will become permanent over a phase-in time period. We wanted to reach out to all of our clients to help better explain what you may be hearing in the news and describe […]
A Look Into The Recent Social Security Changes
Last week, Congress passed their “Bipartisan Budget Act of 2015.” Among the typical budgetary items, there are a few alterations that will impact the Social Security benefit filing system. Anyone who turns 62 in 2016 or later will no longer be able to take advantage of the “file-and-suspend” strategy for the purpose of receiving spousal […]
