Tag: Registered Investment Advisor


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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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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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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