Teachers are Vulnerable

December 27, 2016

  Teachers Are Vulnerable The Department of Labor (DOL) has approved a rule, that will become effective April 2017, that holds all financial advisors to a fiduciary standard of care when providing investment advice on retirement accounts and IRAs .  This means an advisor must recommend what is in a client’s best interest when it comes

Let’s Admit It: We All Need Retirement Income

September 13, 2016

  Let’s Admit It:  We All Need Retirement Income No matter what situation you find yourself in, whether you have $5 million or $50,000 saved for retirement, we can all agree that retirement income is the foundation to every financial plan.  A house without a strong foundation can never become a safe home to dwell

RMDs, Dividends, and Taxes, Oh My!

August 16, 2016

  RMDs, Dividends, and Taxes, Oh My! Just like Dorothy was afraid of lions, tigers, and bears in the Wizard of Oz, many retirees (especially those of higher net worth) are most concerned or “afraid” of how to minimize their tax obligations in retirement.  It’s not about how much you make in retirement, but how much you

An Alternative to Bonds

July 26, 2016

An Alternative to Bonds These days, there is just no yield to speak of in traditional money instruments (like money markets and CDs), including bonds. Typically, a balanced portfolio could consist of a percentage of equities and a percentage of bonds -the exact breakdown determined by an individual’s risk tolerance, time horizon and objective, (focused more

Myths and Misconceptions of the Financial World

June 27, 2016

Myths and Misconceptions of the Financial Industry Oftentimes, we respect and value someone’s opinion because of their educational background or industry experience.  It’s rare for the common person to doubt a strong opinion if there’s enough accolades, degrees, or certifications qualifying it.  But did you know that doctors used to endorse Camel cigarettes in the

Is Your Portfolio Cookie-Cutter?

May 9, 2016

  Is Your Portfolio Cookie-Cutter? This is YOUR life-savings we’re talking about.  Did your broker ever educate you on what your portfolio is comprised of?  No, I mean really educate you.  It always surprises me when we do an analysis of a potential client’s portfolio and we see the same types of scenarios.  People often

Less Volatility = Less Worry: Our Investment Discipline

April 14, 2016

Less Volatility = Less Worry: Our Investment Discipline How do you want to spend your retirement?  Do you want to have to track the daily financial news headlines and manage your wealth on your own?  Or would you rather take solace in the fact that someone else has that job.  My grandfather was a successful entrepreneur and

What Matters Most in Retirement

April 7, 2016

What Matters Most in Retirement If you turn on the radio today, you might hear a catchy song which gives us a glimpse of what really matters most in life.  The song is called, “Like I’m Gonna Lose You” by Meghan Trainor and John Legend.  The lyrics speak of suddenly losing a loved one in

4 Factors that Affect the Longevity of your Money in Retirement

March 21, 2016

Making Your Nest Egg Last a Lifetime – 4 Factors Which Affect the Longevity of Your Money What keeps you up at night?  Many of our clients are concerned about one thing and one thing only:  Will you run out of money someday?  In retirement, your goal is not only to enjoy being retired, but

5 Things Your Broker Should Have Told You

March 11, 2016

Be Prepared for Retirement—5 Things Your Broker Should Have Told You You’ve made it to retirement.  You’ve worked all your life to build your life savings, so what do you do now?  Many of us have had decades of experience in our respective fields of expertise, but how much experience do we have being retired?