Estate Planning Includes Preparing Your Heirs

Prepare your assets for transition to your heirs, but also prepare your heirs to receive your assets. Larry Swedroe explains why the success of an estate plan may depend on preparing families for the transfer of values as well as wealth. Find it on AdvisorPerspectives.com. By clicking on any of the links, you acknowledge that […]

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Topics: Retirement

Annuities…The Good, the Bad and the Ugly

Too often, I’ve heard this all-too-familiar story. A client brings in an annuity policy to review, either for themselves or a family member. They bought it to create a steady annual flow of income on later life, as insurance against unexpected longevity. But what we see is a jaw-dropping set of numbers that reveal poor […]

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Topics: Advice, Investing

An Integrated Investment Plan Is Key

Earlier this week, we looked at the importance of incorporating different types of risk—specifically, human capital risk—into an overall financial plan. Today I will focus on mortality and longevity risk, and using “tax alpha” strategies to improve the odds of achieving your financial goals. Mortality Risk For those families whose human capital makes up a substantial […]

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Topics: Investing, Investment Strategy

Europe’s SPIVA Results Are Nothing New

Earlier this week, I provided some highlights of from the S&P Dow Jones Indices Versus Active (SPIVA) 2016 U.S. Scorecard. Today we’ll look at the SPIVA Europe Scorecard, which compares the performance of actively managed equity funds to their appropriate index benchmarks. The year-end 2016 Scorecard provides us with 10-year data. While not surprising to those familiar […]

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Topics: Advice, Investing, Market Insights

SPIVA Survey Continues Passive Winning Streak

Since 2002, S&P Dow Jones Indices has published its S&P Indices Versus Active (SPIVA) Scorecards, which compare the performance of actively managed equity funds to their appropriate index benchmarks. For the first time, the year-end 2016 U.S. Scorecard includes 15 years of data. The longer time horizon provides us with a more complete measure of the effectiveness […]

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Topics: Advice, Investing

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