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Aug

10

2016
Financial Literacy, How Bad Is It?

Financial Literacy, How Bad Is It?

There is no question; America has a financial literacy issue. A report from the FINRA Investor Education Foundation says that two out of every three American adults “lack financial literacy” and that approximately 37% of Americans could pass a basic economic/financial knowledge test. More from the study: 9% are underwater on their home mortgage 21% have overdue medical bills 18% of respondents spend more than...

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Aug

03

2016

Make More or Spend Less?

Many people think the key to a successful retirement is making more money. However, believe it or not, focusing on how much you spend (your expenses) may help more. Reducing your debt before entering retirement can also help make those years less stressful. To test this theory, we ran a hypothetical scenario through our financial planning software. With all other factors remaining constant, we ran...

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Jun

01

2016
2016 USA presidential election poster. EPS 10

It’s an Election Year! Stocks Have to Behave Differently

Well, the reality is that stocks don’t just perform differently, they perform better*. Since 1928, the S&P 500 has had an average total return of slightly better than +11% in all election years.  There have been 22 elections since the S&P 500 index began; 82% of the time the index was positive. When a Republican was elected, the return was +15.6%. When a Democrat was...

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