Blog


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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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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