Blog


Mar

04

2016
Financial DNA: What Is It And How Does It Work?

Financial DNA: What Is It And How Does It Work?

I have often said investing money for people is the easy part. It’s dealing with investor’s emotions that makes this endeavor more challenging. Helping new investors uncover their biases and perceptions about money will help strengthen the relationships they have with advisors. A new study from Leon Morales at DNA Research backs up this point. A 46 question quiz helps identify each investor’s own personality types....

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Feb

24

2016
A 3d Rendered Illustration showing a Rise and  Fall in Interest with symbol percent

Will Rising Interest Rates Affect Your Pension?

If you’re getting close to retirement and have decided to take monthly payments from your pension, then rising interest will have little impact (today) on your decision. However, if you’re considering or have been offered a lump sum payment, rising rates can make the timing of your decision critical. Or as Donald Trump says, “This will be HUGE.” Most pensions will use the present value...

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Feb

09

2016
Senior couple riding bicycles in the nature

Getting Your ‘Better Half’ Involved In The Finances

Getting your spouse to be as excited about finances as you are may be a tall task. However, it is critically important that both parties get actively involved in the planning process. Here are a few tips you should consider when you are trying to convince your better half to be involved with your finances. Don’t pressure them:  If at first you don’t succeed, instead...

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Jan

22

2016

Stocks Off to the Worst Start in 90 Years

“Stocks are off to the worst start in 90 years & 70% of investors lost money in 2015.” Other than that everything is great. No seriously. I can’t see the relevancy of reporting information to the public like that. Other than to try to scare people or invoke them into some type of investment philosophy change, assuming they had one. I recently had a caller...

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Jan

15

2016

Millenial Money Trends

There is a reason we spend a lot of time talking about the Millennial generation. They represent 75 million people and are the nations largest living generation. They are innovators of social media and are influential to about every industry, including the financial industry.  Here are a few trends that “market watchers” expect from them in the coming year: 1. They will travel but spend...

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Dec

31

2015
New Year Revolutions!

New Year Revolutions!

What?  Revolutions, not resolutions?  That’s right!  I’m asking each of you who reads our weekly blog to consider 2016 the year you move forward with some “revolutionary” financial planning moves! First step: Interview and hire a qualified financial advisor. You need a partner as you navigate the complex world of insurance and investments. Your advisor should not only be experienced, knowledgeable and client focused, but also someone you...

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Dec

23

2015
5 Questions I Get to Ask You!

5 Questions I Get to Ask You!

Very often when we meet with new or prospective clients, I spend time fielding many different questions. Most of these questions are regarding how we get paid or how long I have been in business. They all are great questions and I am happy to answer; however, my approach is to try to focus on you and your unique situation and concerns. I understand you...

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Dec

16

2015
It Pays to Stay!

It Pays to Stay!

It’s easy to let the emotions of greed and fear drive our investment decisions. I once heard another financial professional say, “We don’t have people with investment problems, we have investments with people problems!” I do see some truth to this. To be fair though, it’s easy to see why investors repeat bad investment behavior. After all, we are human. I mean, if somehow we...

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Dec

09

2015
Tis the Season to Gift

Tis the Season to Gift

With the holidays heading into full gear, I wanted to discuss a few strategies available to those who are charitably inclined. Of course, you can gift $14,000 to anyone you wish annually, but these strategies are geared to benefit charities specifically.  Please discuss these concepts with your tax professional as I am only covering the key distinctions and not providing advice. Charitable Remainder Trust (CRT)–allows...

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Dec

02

2015
Financial Plan on Multicolor Puzzle on White Background.

What is “Comprehensive” Financial Planning?

It used to be you walked into your stock broker’s office, handed over your hard earned dollars, and said, “Make me some money!”  Like many things, times have changed and just trying to make you money is no longer an appropriate goal. For one thing, that goal is not unique to your situation as it applies to everyone. Comprehensive Financial Planning is about building wealth...

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