Blog


May

27

2016
We passed!  We are AIF Certified!

We passed! We are AIF Certified!

Our ELP team from Premier Investments of Iowa has just completed the highly regarded “Accredited Investment Fiduciary Certification” in Denver, Colorado.  Damon Walker, Joel Hanson and Jane Schlegel have been taking the online course for the past 2 months completing 25 hours of training that then concluded May 18th in Denver with a one-day, live instructor-led class.  We each then took the 90-minute exam and...

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May

26

2016
I’ll Never Retire!

I’ll Never Retire!

Believe it or not, we hear this more than ever from the people we speak with and the statistics seem to back this up. In 2000, about 11% of Americans worked into retirement. Today, it’s almost 20% and going higher according the the U.S. Bureau of Labor Statistics. Today, the US has the largest number of older workers ever. A 2015 Federal Reserve study found that 12% said they...

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May

18

2016
Don’t forget about Inflation!

Don’t forget about Inflation!

  Inflation has been forgotten about the past few years. However, there are signs it may be creeping back into our lives. The annual consumer price index for March 2016 rose 2.2% following February’s 2.3% increase. I doubt we will see “runaway inflation” like we saw in the 70’s; however, it’s a good time to have these discussions now with your advisor.  Many believe inflation will...

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May

10

2016
Happy portrait of senior couple, woman embracing her husband

The New Realities of Retirement

Approximately 4 million baby boomers will retire this year alone! Talk about a drain on pension and Social Security benefits…You don’t have to search very far to find information on the under-funding issues with both of these programs. There are many new realities to retirement. Here are just 3: *You will live longer than you imagine– One out of every four people age 65 will...

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Apr

22

2016

I LOVE GOLD!

A week does not go by without someone asking me what I think about gold.  Let’s make something clear, I LOVE GOLD!  Who doesn’t?  However, these people are asking me what I think about gold as an investment. Well, I really don’t have an opinion. You see, the issue of whether or not gold is a good investment isn’t the real concern. It’s the percentage...

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Apr

15

2016
So, You Got a Refund?

So, You Got a Refund?

The tax year has come and gone and you get your usual refund. What do you do with it? Or, better yet, is it good to even get a refund?  According to Bankrate.com, three out of four taxpayers received a refund of $3,000 in 2015!  Although you may look at this a “windfall” or forced savings plan, you are essentially giving your money to the...

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Apr

06

2016
So you want to retire early? Follow these steps to success.

So you want to retire early? Follow these steps to success.

There are two main components to a successful retirement, “emotional” and “financial” preparedness. Having both at retirement is the ultimate goal. I see people who are ready to retire emotionally, they just don’t have the money. I’ve also seen the other side of that equation. To retire early it’s even more important to have both. Here are a few steps to follow: 1) Reduce or...

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Mar

30

2016
Changing jobs?  Be aware of these rollover mistakes!

Changing jobs? Be aware of these rollover mistakes!

So for whatever the reason, you are switching jobs. Your new employer has a great 401(k) with tremendous matching and you immediately signup. But what about that old plan you have, what should you do? Here are a few options and suggestions: 1) You can leave the money where it is. You will want to check the expenses that you are incurring as well as...

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Mar

17

2016
Is This Career For You?

Is This Career For You?

I am often asked if the financial planning field is a desirable industry to work in. Well, like many questions, it depends. I came into “the biz” in October 1989. At that time, the industry was very focused on insurance related products and did not involve much planning. Much of the training consisted of telling a prospective client, “Hey, we have this great product that...

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Mar

09

2016

How to Assess the Strength of Your Insurance Company

After careful deliberations you have concluded insurance will help you (or your loved ones) achieve financial success.  Now I have not discussed what type of insurance, just the fact it is insurance. In my opinion the single greatest item (yes, more important the cost) is the strength of the company you are relying on. There are 4 independent agencies that rate the financial strength of insurance...

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