Financial Planning


Oct

27

2015
Investing Can Be Soooo Scary!

Investing Can Be Soooo Scary!

With Halloween upon us lets discuss some practical ways to make investing less scary… Unless you have the knowledge, desire and time (and lots of money) stay away from picking individual stocks. There are plenty of more efficient ways to invest in equities. Diversify, diversify, diversify. I know, sounds rhetorical, but believe it or not, American investors do very poorly at this simple concept. Studies...

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Oct

20

2015

What Rising Interest Rates May Mean to You

You won’t find many financial pundits that don’t agree interest rates are heading up at some point in the near future. The reality is not if, but when. We have been accustomed to very low rates for a very long time. As a “borrower” of money this has worked out great as the cost of money has never been lower. However, as an “earner” of...

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Oct

13

2015

4 Money Lessons For Every College Student

College is more than just getting a diploma and locking up your dream job. If you don’t learn some basic money strategies, managing your finances will become more difficult no matter how much you earn. As I have said for years, “It’s not what you earn that determines how financially successful you will be, it’s what you don’t spend!”  Here are a few tips to...

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Sep

24

2015

The Long Term Care Dilemma

As advisors, our job is to make sure the client is prepared for unique retirement situations.  One of the biggest issues currently facing many retirees is the growing need for long term care. The statistics for long term care are overwhelming: *At least 70% of people over 65 will need long term care services and support sometime during their lives (2015 Medicare and you report)...

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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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