Blog


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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Jul

20

2016
Retirement Visualization

Retirement Visualization

The greatest golfers in the world visualize each and every time they hit the ball. They can see the shot before it’s hit. Jason Day, the world’s #1 golfer, actually closes his eyes for about 5 seconds to concentrate on the shot. If it works for golfers, then maybe it will work for you. I’m not talking about chasing a ball around all day; I’m...

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Jul

13

2016
Impact Investing

Impact Investing

What is it and should you do it? Years ago, “Impact Investing” was referred to as “Socially Responsible” and over the years has become very popular. There are two questions with this type of investing: 1) Should you invest? 2) Will you make money? Let’s look at some statistics to help you decide: • In 2005, there were about 200 such investment vehicles, less than...

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Jun

29

2016
To Loan or Not to Loan

To Loan or Not to Loan

Getting hit up for a loan by a family member or friend can make you feel like you’re stepping into a minefield. On one hand, you want to help that person out. On the other hand, we’ve all heard the horror stories of ruined relationships. So what are you to do?  Here are a few guidelines to follow if you agree to finance a friend...

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Jun

22

2016
Investing is Simple… It’s Just Not Easy

Investing is Simple… It’s Just Not Easy

You really need to say this a few times to understand the point. Investing in of itself really is simple. Here is a look at how simple it is: 1) Start as early as you can (time value of money) 2) Invest as much as you can (you can’t really over save can you?) 3) Invest in as many different investments that you can find...

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Jun

09

2016
Caring for Cognitive Impairment

Caring for Cognitive Impairment

Listen to our Radio Show on this Topic! When I ask the question “How many people in this room know of someone with a cognitive impairment?” at a workshop, it is common to see almost every hand go up. Cognitive impairment is a growing concern for many. One of the most frightening, especially given how we are an aging country, is Alzheimer’s disease, a neurological...

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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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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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