Financial Planning


Sep

18

2015
Don’t Forget About Mid Cap…

Don’t Forget About Mid Cap…

Most investors have heard of Large Cap stocks and Small Cap stocks but the “sweet spot” with asset allocation may exist in the Mid Cap space. Mid-size companies are often described as the “sweet spot” of investing. They combine some of the best features of large and small companies. Many investors are underexposed to Mid Caps even though they can be more mature businesses but less...

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Sep

02

2015

What has market volatility taught us?

Wow. What a week! One day the markets are 600 points down, then 600 points up the next. Crazy stuff! As advisors, we tell our clients not to watch this stuff, but it is hard to avoid when we have so much access to what’s going on in the world around us. It’s like rubbernecking. We all are so drawn in by the wreckage, we...

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Aug

24

2015

The Art of Delegating

I know I have been told by some that I have a big ego. I don’t dispute that. I have been a competitor my whole life, in sports when I was younger and now in business.  One thing I do believe has helped me along the way is the faith I have in other people. Let me put it this way, my ego is not...

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Aug

14

2015

You Can’t Take It With You

I have heard many lines like this over my 27 years. It’s true though, you can’t take this stuff with you when you are gone. There is a fine line between you enjoying your money and having your money enjoy you. I believe we are taught early in our working lives the benefits of accumulating money; but how many of us have ever been taught...

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Aug

04

2015
“You know what they say about assuming…”

“You know what they say about assuming…”

Retirement planning has never been more difficult. The days of working 40 years uninterrupted at a company, getting a pension and a gold watch are gone. Social Security has big concerns and the stock market seems to be more volatile than ever. Here are my top 4 retirement assumptions you can no longer make: Your retirement assets need to last 30 years It is estimated...

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Jul

27

2015

Charitable Giving

What is the most effective way to give to your favorite charity?  What form of gift gives me the very best tax benefits?  The answer to these two questions is as close as your local Community Foundation! The Greater Cedar Rapids Community Foundation can receive your gift into an agency fund established by your favorite charity with the Foundation.  There were 13 new funds established...

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Jul

15

2015

We are not a perfect fit for everyone.

Most often, we meet new potential clients, that have come to the conclusion that they want to delegate some part of their financial lives to a third party. As I have said many times, it comes down to you wanting to pay someone to manage the time, knowledge and/or desire of your financial life. As much as potential new clients are “looking around” or “shopping...

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Jul

09

2015
Elder Fraud: 5 Tips to Protect Our Loved Ones

Elder Fraud: 5 Tips to Protect Our Loved Ones

There is no question that financial abuse of elders is a big concern. In a recent survey from AICPA, 47% of the CPA financial planners surveyed say they have seen an increase in financial fraud over the last five years. Ted Sarenski, President of Blue Ocean Strategic Capital, says there are two main reasons for this trend. First, fraud is now more likely to be...

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Jun

24

2015
The Dumbest Question I Have Ever Heard

The Dumbest Question I Have Ever Heard

There is no such thing as a dumb question, right? Normally, I would agree, but this one I have to call out.  I was reading a “top 5 list” of things to ask a financial planner before you hire them, and question #2 on this list was, “How does your performance compare to the benchmarks and are you able to outperform them?”  HUH?  Now if...

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Jun

17

2015
What to do if you inherit an IRA as a non-spouse?

What to do if you inherit an IRA as a non-spouse?

If you receive an IRA as a spousal beneficiary, you have essentially two options. You can either rollover the inherited IRA to your IRA or cash the inherited IRA out and pay the taxes. However, what do you do if you inherit an IRA as a non-spousal beneficiary? To answer this question, you need to understand the IRA inheritance rules. Knowing these rules will help...

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