Latest Articles


Stay up to date with everything going on here at The Shobe Financial Group and the financial world around us. On this page you can search our recent articles tailoring to the financial economy and announcements that relate to the happenings here at Shobe.

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  • It’s Time for Baby Boomers RMDs!

    Posted in: News Articles

    In 2016, the first wave of baby boomers turned 70½, and many more reach that milestone in 2017 and 2018. What’s so special about 70½? That’s the age when you must begin taking required minimum distributions (RMDs) from tax-deferred retirement accounts, including traditional IRAs, SIMPLE IRAs, SEP IRAs, SARSEPs, and 401(k), 403(b), and 457(b) plans. […]

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  • How Much Risk Can You Take?

    Posted in: Investments

    Many market shocks are short-lived once investors conclude the event is unlikely to cause lasting economic damage. Still, major market downturns such as the 2000 dot-com bust and the 2008-09 credit crisis are powerful reminders that we cannot control or predict exactly how, where, or when precarious situations will arise. Market risk refers to the […]

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  • Market Perspectives 4th Quarter

    Posted in: Investments

      Volatility has reappeared, but don’t lose focus. The third quarter ended strong but recently, the equity markets have experienced some notable fluctuations – a sharp contrast from the steady upward climb we saw in 2017. Concerns about rising U.S. interest rates, trade disputes and the technology sector contributed to declines for all three major […]

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  • Infographic: Working in Retirement

    Posted in: News Articles

      Read the rest of this month’s Quarterly Newsletter here!

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  • What to do if Your Term Life Insurance Policy is About to Expire

    Posted in: Insurance

      One advantage of term life insurance is that it is generally the most cost-effective way to achieve the maximum life insurance protection you can afford. Many people first purchase term life insurance to protect their family’s financial interests after a significant life event, such as getting married or the birth of a child. You […]

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  • On the Road to Retirement, Beware of these Five Risks

    Posted in: News Articles

    On your journey to retirement, you’ll likely face many risks that have the potential to throw you off course. Following are five common challenges retirement investors face. Take some time now to review and understand them before your journey takes an unplanned detour. Traveling aimlessly Setting out on an adventure without a definitive destination can […]

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  • Why Skipping a Generation Can Be a Good Thing

    Posted in: Estate

    Shobe Insights 3rd Quarter 2018   Why Skipping a Generation Can Be a Good Thing The new tax law, passed in late December, temporarily raised the lifetime exclusion for estate, gift and generation-skipping taxes to just over $11 million per person. The higher exemption, which adjusts for inflation while in effect, sunsets at the end […]

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  • Market Perspectives Q3: Quarterly Recap

    Posted in: Investments

    Quarterly Recap Major macro factors affecting the economy and financial markets over the next six to twelve months include trade policy, interest rates, earnings growth, Federal Reserve (Fed) policy, and geopolitical uncertainty. The U.S. economy continued to expand at a moderate rate in the first half of 2018, although growth was a bit uneven across […]

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  • Social Security Myths and Misconceptions

    Posted in: News Articles

      There’s no doubt about it. Filing for Social Security can be daunting. There’s a ton of information – and misinformation – to weed through, as well as the need for some calculations based on several variables. Your benefits depend on your age, how long you’ve worked, what you earned, your marital status and number […]

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  • Can I Convert my traditional IRA to a Roth IRA in 2018?

    Posted in: News Articles

      If you’ve been thinking about converting your traditional IRA to a Roth IRA, this year may be an appropriate time to do so. Because federal income tax rates were reduced by the Tax Cuts and Jobs Act passed in December 2017, converting your IRA may now be “cheaper” than in past years. Anyone can […]

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