Blog


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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Nov

25

2015

The “Casino Effect”

I often ask workshop attendees to tell me “What’s the number one goal of a casino when you walk in?”  The answer I normally get is “To take your money!”  Honestly, this is partially correct. However, the real number one goal of a casino is very simple–To make sure they get you to STAY in their casino as long as possible.  They know the odds...

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Nov

11

2015
The Rebalancing Challenge

The Rebalancing Challenge

A Hypothetical Conversation That Could Be True. The concept of rebalancing is very simple. Let’s say an investor starts off with a model allocation of 50% stocks and 50% bonds.  The stock markets do well and after a year the portfolio sits at 70% stocks and 30% bonds. Investors pat themselves on the back and say something like, “I did great and now I want...

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Nov

04

2015
Investor Behavior

Investor Behavior

There is a great deal of research around investor behavior.  For example, our brains notice when a group provides an answer that is different from ours, the disparity is unpleasant.  For many, aligning with the group is more rewarding for the brain than being independent and correct. Investing is not a game of perfect.  It is a game of probabilities.  As Ben Graham pointed out...

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Oct

27

2015
Investing Can Be Soooo Scary!

Investing Can Be Soooo Scary!

With Halloween upon us lets discuss some practical ways to make investing less scary… Unless you have the knowledge, desire and time (and lots of money) stay away from picking individual stocks. There are plenty of more efficient ways to invest in equities. Diversify, diversify, diversify. I know, sounds rhetorical, but believe it or not, American investors do very poorly at this simple concept. Studies...

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Oct

20

2015

What Rising Interest Rates May Mean to You

You won’t find many financial pundits that don’t agree interest rates are heading up at some point in the near future. The reality is not if, but when. We have been accustomed to very low rates for a very long time. As a “borrower” of money this has worked out great as the cost of money has never been lower. However, as an “earner” of...

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Oct

13

2015

4 Money Lessons For Every College Student

College is more than just getting a diploma and locking up your dream job. If you don’t learn some basic money strategies, managing your finances will become more difficult no matter how much you earn. As I have said for years, “It’s not what you earn that determines how financially successful you will be, it’s what you don’t spend!”  Here are a few tips to...

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Sep

24

2015

The Long Term Care Dilemma

As advisors, our job is to make sure the client is prepared for unique retirement situations.  One of the biggest issues currently facing many retirees is the growing need for long term care. The statistics for long term care are overwhelming: *At least 70% of people over 65 will need long term care services and support sometime during their lives (2015 Medicare and you report)...

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Sep

18

2015
Don’t Forget About Mid Cap…

Don’t Forget About Mid Cap…

Most investors have heard of Large Cap stocks and Small Cap stocks but the “sweet spot” with asset allocation may exist in the Mid Cap space. Mid-size companies are often described as the “sweet spot” of investing. They combine some of the best features of large and small companies. Many investors are underexposed to Mid Caps even though they can be more mature businesses but less...

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