Imagine printing out your next meal or wearing contact lenses that know your thoughts and feelings.
What if your house could learn about you … and then anticipate your needs?
Mind-blowing inventions like these could be just around the corner. And they’re not even the wildest things that we may see by 2050.
Advancements in artificial intelligence (AI), virtual reality, and nanotechnology are putting the unbelievable on the horizon.
This could change life as we know it in the not-so-distant future.
In fact, everything from our mundane routines to our fanciest gadgets may soon be obsolete. If that happens, we could have new and totally different ways of experiencing life.
We could also have far better ways of improving it.
So, what’s the stuff of science fiction and what could really happen?
There’s no way to know for sure, but we do have some clues about what may lie ahead.
Test your knowledge here and check out the facts to see if the cryptocraze lives up to all of the hype — and if it really makes sense for you to jump on the bandwagon.
A million dollars used to be the ultimate target for retirement portfolios. Retiring as a millionaire brought status and confidence that you could live comfortably during your golden years.
If you retired with $1 million in 1970, you probably didn’t have to worry about your nest egg running out, even with a lavish lifestyle. It would be like retiring with $6.9 million today.1
Retire with $1 million in the ’80s, and it would have been like retiring with $3.35 million in 2021.1
And in 1990?
A cool $1 million would have gone twice as far as it does these days.1
Clearly, $1 million doesn’t go as far as it used to.
Just how far could it go these days?
The answer depends on how and where you live.
In retirement, as in real estate, location is everything (or, at least, it’s a lot). The map below shows how long $1 million could last in each state. This state-by-state breakdown features a few different hypothetical growth scenarios and the results of our calculations.
Let’s seehow long a $1 million nest egg could last where you want to retire — or wherever you’ve already retired.
What is your biggest obstacle to achieving your goals in 2021? Where do you want to be at the end of 2021? Will you change your life and how will you do it?
These tactics can transform your goals & your life.
Austin clients and friends, Scammers are getting savvier than ever in today’s tech-enabled world. This month’s Visual Insights Newsletter explores today’s common financial scams and how you can avoid getting snared. Check it out here!
The coronavirus-driven recession and uncertainty will make retiring in Austin within the next 5 years challenging. The record volatility, recent legislation, and economic disruption mean that the decisions you make next will define your retirement. Create confidence in your plan for a work-free life by downloading this free checklist. Worried about what’s going on and want advice now? I save a few appointments each week — grab one by calling 800-840-5946.
Austin retirees and those facing retirement soon, the pandemic and economic crisis mean historic levels of uncertainty. To learn how to retire comfortably in uncertain times, please download this FREE guide. Need advice now? I save a few appointments each week — grab one by visiting https://archerim.com/call.
IN FINANCE AND IN LIFE, EXPECTATIONS OFTEN ECLIPSE REALITY.
They become anchors for how we evaluate opportunities (like companies and stocks) and our own sense of happiness.1
They also make us fixate on what could or should have been, not what’s right in front of us.1
When reality doesn’t line up with our expectations, unhappiness, resentment, and anxiety usually follow.2
These negative feelings can intensify when we sense uncertainty.3 We get anxious about our hopes, goals, and dreams for the future when we feel like everything’s unpredictable.4
Yet, it’s not impossible to be happy when life throws us a curveball and the future seems uncertain.
When we’re grateful, we can let go of our expectations. That can lead to greater happiness and life satisfaction, no matter how uncertain the present is—or the future may be.5
HOW TO BE MORE GRATEFUL & HAPPIER: 6 QUESTIONS
1. WHAT IS A MAGICAL MEMORY YOU HAVE FROM THE LAST FEW MONTHS?
We instinctively focus more on the negative than the positive. When times are tough, we expect the worst. To see things in a more positive light, we have to consciously set aside the negativity.6
Recalling happy memories is a quick way to do that. Even remembering a simple act of kindness can make you feel happier.7
2. HOW HAS YOUR PERSPECTIVE CHANGED OVER THE LAST FEW MONTHS?
Consider the interactions, experiences, or people who have changed the way you think about something recently. Think about what you’ve learned.
Change and uncertainty can test our strength and character. How we stand up to the challenge may not just change our perspectives. It can also keep us grounded and spark personal growth.8
3. WHAT DO YOU TAKE FOR GRANTED?
It’s natural to take things for granted as we get used to them, even if they matter a lot to us. If we don’t take time to appreciate them while we have them, though, we may never get the chance.
Writer Robert Brault may have said it best with this: “Enjoy the little things in life because one day you’ll look back and realize they were the big things.”
4. WHAT DO YOU WANT TO REMEMBER FROM THIS PERIOD OF YOUR LIFE?
“We do not remember days; we remember moments.” These words from Cesare Pavese ring true if you’re in your 20s, your 90s, or anywhere in between.
Whether you’re starting your career, raising kids, or enjoying retirement, recognize the good moments that are shaping this phase of your life. If you do, you’ll enjoy them far more as they’re happening.
5. WHAT EXPERIENCES HAVE YOU HAD THAT YOU’RE GRATEFUL FOR?
Some experiences create memories that last a lifetime. Family dinners, vacations, celebrations, major life milestones, and once-in-a-lifetime moments can shape us forever and for the better.9
They can also have positive impacts on the way we learn, see the world, and respond to unknown situations in the future.10
6. WHAT DO YOU FEEL LUCKY TO HAVE THAT SOME OTHERS DO NOT?
This doesn’t have to be extravagant. It can be simple, like some treasured part of your day or week.
It can also be unique and intangible, like a relationship you have with a friend, sibling, child, or spouse. In fact, these close relationships are the key to fulfillment and long-term happiness. Appreciating how special they are can help you make them stronger while bringing you more satisfaction.11
Risk Disclosures: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. The S&P 500 is an unmanaged composite index considered to be representative of the U.S. stock market in general. All index returns exclude reinvested dividends and interest. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. For illustrative purposes only.
Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results.
This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only.
Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. These are the views of Finance Insights and not necessarily those of the named representative or firm, and should not be construed as investment advice.
But we don’t live in a perfect world. Far from it.
That means our emotions impact our financial choices more than we realize.1
Shockingly as much as 95% of our purchase choices are made subconsciously, driven by our emotions—as little as 5% are based in logic (and that’s when we’re in a good headspace and feeling comfortable and secure).2
When we’re faced with uncertainty, fear and instinct can take over and push logic right out of the window.3
Ironically, these instincts often make things worse. Emotional reactions can lead to poor choices and the losses you were trying to avoid in the first place.5
The best way to avoid letting your hardwired biases take over? Use these strategies. They can help you fare better in any crisis. They may even make you a savvier investor.
Click Here for full article and to sign up for our Visual Insights Newsletter!
With many people in Austin facing job losses or furloughs, the CARES Act provides additional flexibility for accessing retirement accounts. However, it’s crucial to consider various factors before deciding how to handle an old 401(k) or employer plan.
This FREE guide is designed to assist investors in managing an uncertain situation by outlining the available options for an old employer plan. Feeling overwhelmed and need personal advice right away? Call 800-840-5946 for a complimentary 1-on-1 phone appointment to discuss your 401k withdrawal strategy and money management concerns.
This FREE Guide reveals the 5 options to revive your old zombie plans!
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We honestly could not ask for a better partner.
My husband and I have been working with Richard and the team at Archer Management Group for over 10 years, and we honestly couldn’t ask for a better partner. Richard is not only incredibly knowledgeable — he’s also just a genuinely great person. We always feel like he’s looking out for us and helping guide us in the right direction. He’s helped us through an inheritance, purchasing homes, managing complex stock options/RSAs at work and helps keep our finances running smoothly.
The whole team is super responsive and on top of things, and they’ve made the whole process of managing our finances feel less stressful and more secure. We really trust Richard with our money, and that peace of mind is huge for us. I highly recommend Richard and team!
Dave
Received on Google July 2025
These testimonials were provided by current Archer Investment Management clients and may not be representative of the experiences of other clients. The clients were not compensated, nor are there material conflicts of interest that would affect the given testimonials. You can view a complete list of reviews at Emily Rassam’s and Richard Archer’s Wealthtender profiles.
Most thorough and personable financial planners and wealth managers
George and I had been with an investment firm that promised many things they never got to deliver. We are so grateful to have found Archer Investments. Emily,Richard and all of the staff are extremely knowledgeable and so personal. We feel like family to them.We also feel so comfortable with our financial planning that has transpired, feeling confident in our long range plans, short term goals, the security of having ample insurance and medical coverage along with complete documents (POA’s, wills, healthcare POA’s, everything to make any transition smooth for our family). It is a tremendous relief to have everything in place. Their wealth of knowledge and attention to detail is impeccable. We feel so blessed to have found them and highly recommend their comprehensive services.
Andrea & George
Received via WealthTender: April 4, 2024
Comprehensive financial planning
Working with Emily, Richard, and the team has been great! Their insight has been invaluable for me across a variety of domains. Their approach builds from goals backwards — we met together to outline short and long-term goals and then used those goals to create a plan across a variety of decisions, from home ownership to car insurance to investment and much more. Richard and Emily truly do a great job of drawing me into the loop, ensuring that the financial plan we develop reflects my goals and wishes. Before settling with Archer Investments, I talked with a number of other advisors and none of them had the combination of professionalism, attention to detail, and comprehensive services offered by Archer.
Ben
Received via WealthTender: July 1, 2024
I was quite literally afraid of getting help and of all that it involved. It’s been wonderful. No kidding: best decision ever!
I’m not finance-oriented by any measure, but luck came my way for once and I found myself having enough assets to need some help. Only I didn’t know what kind of help I needed and it’s easy to get overwhelmed quickly and I was on like year number whatever of being overwhelmed and I just kicked that can down the road every year. After a short search, I found Archer’s team and quickly just pushed other options off the table and signed on. They’ve actually been able to simplify things in a way that makes me feel like I can manage my life and not worry about it all for the first time in years. I basically had all eggs, but no basket. Now I have a comprehensive plan from some incredible staff and I actually love the process instead of dreading the matter. Simply put, Archer has changed how I view my own finances and what used to be a cause of stress for me is now a giant sigh of relief. I said in the title it was the best decision ever and I mean it: this has 100% seriously no-fingers-crossed changed my life. If you’re like me and you’ve been debating if you even need this kind of help, then yes… yes, you do!
Scott Eaton
Received via WealthTender: July 10, 2024
We honestly could not ask for a better partner.
My husband and I have been working with Richard and the team at Archer Management Group for over 10 years, and we honestly couldn’t ask for a better partner. Richard is not only incredibly knowledgeable — he’s also just a genuinely great person. We always feel like he’s looking out for us and helping guide us in the right direction. He’s helped us through an inheritance, purchasing homes, managing complex stock options/RSAs at work and helps keep our finances running smoothly.
The whole team is super responsive and on top of things, and they’ve made the whole process of managing our finances feel less stressful and more secure. We really trust Richard with our money, and that peace of mind is huge for us. I highly recommend Richard and team!
Dave
Received on Google July 2025
×
Their expertise in the tech startup industry is invaluable to navigate company stock options and instill confidence when exercising.
Working with Emily, Richard, and the rest of the Archer team has been an absolute game-changer for my financial well-being. From our very first meeting, their friendliness and professionalism put me completely at ease. I feel like they genuinely care about my goals, and they’ve been incredibly patient in answering all my (many!) questions. If you are anything like me starting this process with no idea what the heck your financial goals are, don’t worry, they will gently guide you. They do a thorough intake process over several meetings to identify goals, risk tolerance, and get to know clients.
I had a scattered mess of accounts due to changing employers and random investments over the years. Now all of those accounts are organized and manageable from a single place. Their expertise in the tech startup industry is invaluable to navigate company stock options and instill confidence when exercising. What truly sets them apart is their high quality tooling. I love love love that they have everything in a secure cloud with custom dashboards, and all signatures are electronic – no more printing and mailing, thank goodness! They also pre-fill any necessary forms with my personal info which is a huge timesaver. Their responsiveness is truly remarkable; I’ve always received incredibly fast replies. This level of dedication is rare and greatly appreciated. Last but not least, I get to sit back and watch my investments grow. For the first time in my life, I can see a path to early retirement.
I wholeheartedly recommend Archer Investment Management to anyone seeking a trustworthy, knowledgeable, and highly responsive financial planning service.
Maggie
Received on Google May 2025
×
Personalized to our lifestyle
Richard and Emily are a fantastic team! We reached a point in our life that we thankfully had options for our money, investments, and the way we wanted to live our lives. Their approach is personalized to understand your relationship with finances and tailored to how you want to enjoy your money now and into the future. We had considered ourselves smart with our finances, but the Archer team exceeded our expectations and opened up several opportunities to maximize our potential. We got support & recommendations for exactly how to allocate, invest, and yes spend our money the way we wanted our lifestyle to be. This approach gave us the peace of mind knowing our future was secure, our 3 kids college was within reach, and our “fun” spending on family and vacations was a balanced way for us to enjoy the long journey. And on top of that, they make the process simple and as easy as possible. So glad we found this team.
Danny and Julia
Received on WealthTender October 2024
×
I was quite literally afraid of getting help and all that it involved. It’s been wonderful. No kidding: best decision ever!
I’m not finance-oriented by any measure, but luck came my way for once and I found myself having enough assets to need some help. Only I didn’t know what kind of help I needed and it’s easy to get overwhelmed quickly and I was on like year number whatever of being overwhelmed and I just kicked that can down the road every year. After a short search, I found Archer’s team and quickly just pushed other options off the table and signed on. They’ve actually been able to simplify things in a way that makes me feel like I can manage my life and not worry about it all for the first time in years. I basically had all eggs, but no basket. Now I have a comprehensive plan from some incredible staff and I actually love the process instead of dreading the matter. Simply put, Archer has changed how I view my own finances and what used to be a cause of stress for me is now a giant sigh of relief. I said in the title it was the best decision ever and I mean it: this has 100% seriously no-fingers-crossed changed my life. If you’re like me and you’ve been debating if you even need this kind of help, then yes… yes, you do!
Scott
Received on WealthTender July 2024
×
Most thorough and personable financial planners and wealth managers.
George and I had been with an investment firm that promised many things they never got to deliver. We are so grateful to have found Archer Investments. Emily,Richard and all of the staff are extremely knowledgeable and so personal. We feel like family to them.We also feel so comfortable with our financial planning that has transpired, feeling confident in our long range plans, short term goals, the security of having ample insurance and medical coverage along with complete documents (POA’s, wills, healthcare POA’s, everything to make any transition smooth for our family). It is a tremendous relief to have everything in place. Their wealth of knowledge and attention to detail is impeccable. We feel so blessed to have found them and highly recommend their comprehensive services.
Andrea and George
Received on WealthTender 2024
×
We’ll forever remember Emily as the person who said we could retire.
We’ve worked with Emily for a few years now, and have been so impressed. She is a wealth of knowledge and a way of being able to answer a lay person’s questions in a very thorough and understandable manner. She can answer any question you throw at her with detail and clarity. She is honest, credible and trustworthy. She is very knowledgeable about the technology she has available to use and is able to provide strong visuals and projections to help with making decisions. She is always willing to meet and discuss a given topic or to provide an update on our portfolio. We’ll forever remember Emily as the person who said we could retire. That’s a hard decision to make and she was able to clearly show us the path. I’d highly recommend Emily to work with as a Financial Advisor.
Kay
Received on WealthTender June 2022
×
There is no one else I would trust with my financial future. This advisor/client relationship is the best I’ve ever had.
Emily has been a lifesaver for me in so many ways. I needed a Financial Advisor that I could trust, and I could not be more pleased. She is honest, provides great advice, guidance and always goes the extra mile for her clients. She is always professional, knows what is going on in the industry and what services the company offers I could benefit from. I retired at the end of 2018, but before I did, I met with Emily, and we went over what my retirement would look like. There is no one else I would trust with my financial future. This advisor/client relationship is the best I’ve ever had. She keeps me on the right road! I appreciate her so much.
Elaine
Received on WealthTender June 2022
×
The entire experience has brought us a great sense of security
My wife and I have been with the Archer team for almost 3 years. Throughout, they have been responsive, thorough, and professional. All of the staff are excellent communicators, in person or via email/texts! The entire experience has brought us a great sense of security – from the initial “get to know you” conversations, with Rich doing an excellent job of listening, to the mid-course corrections when life changes. Initially they brought great organization to our portfolio, and our retirement is organized and easy to track. Whenever it’s time for us to do some homework, they are great at helping us with our end of the tasks.
Karen
Received on WealthTender February 2023
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Before meeting with the Archer Team, we had concerns about the value wealth management would bring to the table. Those concerns were quickly squashed after meeting with the team.
We have really enjoyed working with Archer Investment Management. We reached out to them because we wanted financial guidance and reassurance as we move toward reaching education goals for our children and retirement goals for ourselves. We knew we needed to diversify some of our assets but had no idea how to do so in a financially savvy way. Before meeting with the Archer Team, we had concerns about the value wealth management would bring to the table. Those concerns were quickly squashed after meeting with the team. They pointed out things we hadn’t thought of and questions we hadn’t asked ourselves to help create more specific goals than we would have set for ourselves. They kindly and patiently walked us through creating a plan that fit our comfort level and helped us take the steps needed to put that plan in action. If any of this sounds overwhelming, I can’t reiterate enough how much patience and support we received. It never felt overwhelming. We are so relieved to now have the support of these specific experts to help us stay on track to hitting our goals.
