Categories for Financial Planning

Creating My Own Longevity Strategy

May 30, 2019 8:00 am

To be blunt, as part of their financial planning process, many more people should establish a longevity strategy. As we discussed in a recent blog Longevity Planning vs. The 4% Retirement Rule, there are many considerations when making these decisions. However, two primary characteristics determine which pre-retirees and retirees will benefit most: INITIAL FINANCIAL CONDITION: Retirees with “modest-sized” nest eggs relative... View Article

Longevity Planning vs. The 4% Retirement Rule

May 2, 2019 9:00 am

Last month, in our blog The 60/40 Investment Debate, we discussed a few key considerations when it comes to longevity risk. As our focus continues in a pursuit to solve this very important issue, we realize longevity planning is often confused with traditional planning for one’s future retirement. For most, today’s retirement planning only focuses on planning “to” retirement rather... View Article

Are Investors Missing the Big Picture

April 16, 2019 8:00 am

After a turbulent end to 2018 sent stock indices around the globe into bear market territory, equities staged a big recovery in the first quarter of 2019. For the quarter, the S&P 500 index gained 13.65% and was within a few percentage points of its record high. The Russell 2000 small stock index gained even more, rising 14.58%. Large cap... View Article

The 60/40 Investment Debate

March 26, 2019 8:00 am

For decades, many individual and institutional investors have used a 60/40 asset allocation as common strategy for investing in stocks and bonds. This rule of thumb came from the work of two Nobel Prize winning economists, Harry Markowitz (1952) and Bill Sharpe (1964), and their contributions to modern portfolio theory continue to drive today’s innovation in finance. Since the dot.com... View Article

We All Love Investment Fads

February 20, 2019 10:00 am

Investment fads are nothing new. When selecting strategies for their portfolios, investors are often tempted to seek out the latest and greatest investment opportunities. Over the years, these approaches have sought to capitalize on developments such as the perceived relative strength of particular geographic regions, technological changes in the economy, or the popularity of different natural resources. But long-term investors should... View Article

Fourth Quarter 2018 Was So Much Fun

January 17, 2019 8:00 am

What did Fourth Quarter 2018 tell us about the future? Not much more than the rest of 2018 did. But in case you missed it, stocks around the globe experienced a significant decline during the quarter, a trend that began in October and accelerated rapidly in December. The downturn was widely attributed to the prospect of continued higher interest rates,... View Article

End of Year Personal Financial Planning

November 15, 2018 10:00 am

The end of the year presents a unique opportunity to look at your overall situation and take advantage of some personal financial planning. With factors like tax reform, life changes or just working towards your goals, now is an especially important time to review things. Taking what we now know about the new tax law and weaving together all of... View Article

Financial Planning, Index Investing and Bad Behavior

June 21, 2018 10:00 am

When it comes to financial planning and investing, we can all agree that each investor situation can be very unique and require different solutions in order to meet one’s goals or objectives. However, there are two phrases that I believe apply to almost every individual client I have ever served over my twenty year career. “The market doesn’t owe you... View Article

Financial Planning and Tax Reform

January 11, 2018 8:00 am

The 2018 TAX CUTS AND JOBS ACT As most of us know, on January 1st, 2018 a not so “simple” tax reform went into effect. We recommend in order to get the most benefit from the changes, while avoiding mistakes under them, you may need to update your tax and financial strategies right away. Here are some FAQs to help... View Article

Understanding a Roth IRA Conversion

November 2, 2017 9:00 am

With the lure of tax-free distributions, Roth IRAs have become increasingly popular retirement savings vehicles. According to the 2016 Investment Company Fact Book, 20 million U.S. households (about 16.3%) owned Roth IRAs in 2015. With expected tax law changes around the corner and a large amount of the population continuing to retire, Roth IRA conversions may be a strategy that... View Article