Financial Spring Cleaning: Life Insurance Audit

So much of the maintenance of our personal finances falls into the category of “boring, but important.” But when it comes to life insurance, our subconscious resistance to the topic is further compounded because, unlike retirement or career planning, your pot of gold at the end of the life insurance rainbow is actually a headstone. […]

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Topics: Advice

What Does It Mean to Be a Fiduciary to Your Employees?

Being the fiduciary of a retirement plan for your employees is a huge responsibility. A desire to take care of loyal employees in retirement and the need to attract good candidates in the future are some of the underlying reasons to assume such an obligation. Unsurprisingly, education is important for both the fiduciary retirement plan […]

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Topics: Advice, Retirement

Political Biases Can Impact Your Investing

“It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness, it was the epoch of belief, it was the epoch of incredulity, it was the season of Light, it was the season of Darkness, it was the spring of hope, it […]

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Topics: Advice, Investing, Investor Behavior

Don’t Be Distracted By Gold’s Glitter

Perhaps fueled by the election of Donald Trump, once again we are hearing and reading stories about investors flocking to gold as both a safe haven and an inflation hedge. I’ve also noted an increase in the number of commercials promoting gold as a way to protect the value of your investments. With that in […]

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Topics: Advice, Investing

Investment Horizons During Retirement

Life is all about balance. You want to enjoy life along the way, but it’s also vital to set aside resources for days that lie ahead. Successful retirement planning means planning for the expected and the unexpected. Plan for potential early retirement There are many reasons why you might retire earlier than you originally planned. […]

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Topics: Advice, Retirement

Estate Planning: An Ounce of Prevention, a Pound of Cure

There are no crystal balls to tell us when our time on earth will be up, but some people do experience close calls. These instances are jolting reminders that while our time is limited, our planning and preparation can’t be. My friend, Paul, is, arguably, in better shape than most people I know. He’s an […]

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Topics: Advice

The Antidote To Stock Market Hysteria

Just for fun, Google the words “market pullback.” There are over 2.2 million results–most of them market predictions–and the first page of results is dominated by calls for an imminent market reversal that the simple desk calendar has already proven false. However, despite their worthlessness, market predictions remain as predictable as market opens and closes. […]

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Topics: Market Insights

Understanding Medicare Options and Late Enrollment Penalties

Overview: Enrolling in Medicare can be overwhelming. The following looks at enrollment periods for different coverage options. Medicare health insurance is a dense topic. Each of the various options have specific coverage and enrollment periods. To select the best coverage for you, it helps to have a better understanding of the program. This knowledge can […]

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Topics: Advice, Retirement

How to Make the Most of Working with a Financial Advisor

As someone who has long made a living as a financial advisor, I have an inherent bias toward retaining one. I even have one myself, because I believe personal finance is more personal than it is finance. However, paradoxically, I fear that the vast majority of those who retain the services of a financial advisor […]

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Topics: Advice