If you’re looking for a new advisor or just meeting with your current advisor, I have what I believe are five relevant questions that need to be asked and answered honestly. 1) Does your advisor and their firm act in a fiduciary capacity, in other words, do they work for you, the client? If yes, […]
Five Questions for your Advisor Read More »
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9/11 has been a date that always gets my attention regarding our stock markets and national security. First for the obvious reason of the attacks on the World Trade Center, the Pentagon and Benghazi more recently. But September traditionally has been the worst month for the equity markets throughout the year. We have seen more
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There are times when we inherit, win the lottery or even sell an asset such as a home that provides a lump sum of money that we had not planned for. Often that sum of money goes to a bank account while we strategize what to do with this money. Most banks today have an
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The process of reviewing a client’s existing 401k, 403b or other retirement plans that they have accumulated during their working time, has revealed some commonality as far as allocations between stock and bond funds. Most clients tell me that they had heard that they should have some bond funds for safety and that they really
Invest like the Pros Read More »
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Whether you use a financial planner, advisor or do it yourself; planning your financial future involves a plan, strategy and tactics to get you where you need to go. So let’s take a moment to think about the difference between these strategies and tactics to maybe reflect on what you have or have not done
Writing an Investment Strategy Read More »
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There are times when the use of options are a means of acquiring a stock or Exchange traded fund at a discounted price to the current market price. I will explain a method that I often use for specific investment portfolios. If you plan to use options you should read and understand the options risk
“Putting” a Portfolio Together Read More »
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There is a provision within many 401(k) plans that may be advantageous to a number of people who are in these plans but not aware of an available option called “in- service” distributions. Employer 401(k) plan admins and Human resources departments typically do not advertise the option of rolling current 401(k) assets into a self
“In-Service” Distributions Read More »
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If you have ever put money into a mutual fund and discovered that the proclamation of return did not line up with your real return of dollars, then there could be several reasons. The net return could be affected by the fees and commission charged by the fund that can vary between funds, fund companies
Happy Anniversary Bull Market! Read More »
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Whenever we invest our money in any kind of investment vehicle such as, stocks, bonds, real estate or commodities, we typically have an expected return plugged into our brains based typically on past performance. I can relate to you about my early years as a stockbroker in the middle 90s. If I had municipal bonds
Creating Realistic Expectations Read More »
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Almost 100% of new clients that walk into my office to discuss their retirement plan have two beliefs that are consistent. First, they believe that they do not have enough money to retire and second is that they believe the amount of money that would allow for a comfortable retirement is predetermined by the “experts”
Have I Saved enough to Retire? Read More »
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