Michael Endress

What Bob Dylan Wrote About Finance

As Bob Dylan wrote in his classic song: The Times They Are A-Changin’, Come gather ’round people Wherever you roam And admit that the waters Around you have grown And accept it that soon You’ll be drenched to the bone… Continue Reading →

What Advantages Do Exchange-Traded Funds Have Over Mutual Funds?

First, let’s discuss what the two have in common. Usually, exchange traded funds (ETFs) and mutual funds are diversified. This means the funds hold the stock and / or bonds of many different companies. So, both represent good ways to… Continue Reading →

Nine Things Your Annuity Salesperson May Not Tell You

Ever been pitched a variable annuity? If you haven’t yet, there is a good chance you will be offered one at some point. Read on to find out nine things that annuity salesman may not tell you. The Fees Are… Continue Reading →

Free or Fees?

We do not need a lot of words to tell you the difference between “free” investment advice from a brokerage firm or bank and the advice we give. With us, fees are transparent and paid by you directly to us…. Continue Reading →

DOL Fiduciary Rule

  A Quick Summary of The Fiduciary Rule The Department of Labor released their long-awaited fiduciary rule today and it is making serious waves in the investment world. The rule requires that all advisors giving advice on retirement accounts (IRAs,… Continue Reading →

Where’s My Free Lunch?

“There’s no such thing as a free lunch.” Most readers have probably heard this saying, but where does it come from? Well, in the nineteenth and early twentieth centuries, saloons would offer their patrons a “free lunch” in order to… Continue Reading →

How To Be a Super Saver

Are You A Super Saver? A super saver saves, in our opinion, about 20-30% of their income. That’s an ambitious goal, but it’s not so ambitious as to be impossible. So, let’s take a look at the ways and whys… Continue Reading →

The Value Of An Advisor

As a company, we avoid actively managed funds in favor of passive investing. We also discourage clients from chasing returns, timing the market and other “active” strategies. We feel that these strategies are more akin to gambling than investing. Yet,… Continue Reading →

Why Your Investment Growth Calculator is Wrong

In investments, we all wish we had a crystal ball. Unfortunately, many people need to plan their lives around how much their investments will grow. So, in order to calculate the answer, many financial advisors, insurance salespeople and budget gurus… Continue Reading →

Investing in Gold

“These are troubled times and gold has always been the ultimate hedge against economic volatility and crisis.” Gold has stood the test of time as a reliable store of wealth, especially in unstable times.” The above quotes are from two… Continue Reading →

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