In working with individuals and their retirement planning over the last decade, I have come to conclude that the concept of retirement is changing. Those whose only focus has been to get to, or in some cases even avoid, retirement have found disappointment with a...read more
You don’t want to rely on Social Security to fund your retirement. Social Security was created as a retirement supplement which means it was designed to be in addition to your retirement savings. Despite all of the doom and gloom regarding Social Security, the program...read more
Do you want to make money every time you add a contribution to your retirement account regardless of what you invest in? Of course you do -- we all do! -- and no, this isn't a hot stock tip or sales gimmick to get you to buy a "how-to" special report. Hot tips and...read more
Many of our clients have expressed concern over the presidential election and the impact it may have on their portfolio and therefore their money. With the extremism tied to this election and the media’s opportunistic use of it, it can be difficult for investors to...read more
1. What is the relationship of your interest rate(s) (on personal debts) compared to your tax bracket? If you are paying only 5% interest while paying 31% income taxes, you may be better off putting money into your tax-deductible retirement account at work. If you...read more
We read all the time about how much money is recommended for a healthy retirement. Everyone seems to be an expert and the conventional wisdom of $1,000,000 seems to have recently doubled to $2,000,000. How can anyone afford to retire!? I’ve had the opportunity to work...read more
It's almost time, you don't have enough, and you aren't going to make it. Do you give up, try harder, or just pretend it's all going to work out? Any choice you make might be the wrong one. So what should you do? For those who have not accumulated enough investment...read more
To aid in figuring out how much you should be saving for college, it is helpful to know what the cost will be at the time the student is attending school. Unfortunately, we cannot predict this, but there are some cost-determining factors we can use to help guide us...read more
In an industry where differentiation is difficult to create, for a short time at least, the DOL Fiduciary rule has created the perfect marketing campaign for advisors. Consider advisor “A” is a financial advisor who abides by the DOL Fiduciary Rule for IRAs but not...read more
We are now on fourth and most important principle in setting ourselves up for long-term investing success: controlling investor behavior. Controlling investor behavior is the most important of the principles because it is the one that can cancel out the positive...read more
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