According to a new report by Morningstar, most workers continue to fund their retirement-savings accounts at the same rate after getting a raise, putting their extra income toward a better lifestyle—nicer cars, a bigger apartment or house, better vacations, more dining out.

Getting a big raise is a reason to celebrate.  Handled incorrectly, however, a fatter paycheck could contribute to a less-comfortable retirement.

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PAST PERFORMANCE IS NOT A GUARANTEE OF FUTURE RESULTS. This commentary is a matter of opinion and is for informational purposes only. It is not intended as investment advice and does not address or account for individual investor circumstances. Investment decisions should always be made based on the client's specific financial needs, goals and objectives, time horizon and risk tolerance. The statements contained herein are based solely upon the opinions of Telemus Capital, LLC. All opinions and views constitute our judgments as of the date of writing and are subject to change at any time without notice. Information was obtained from third party sources, which we believe to be reliable, but not guaranteed.

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