Tag: Financial Planner


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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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

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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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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