Category

Retirement

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 →

What Is a 401(k) and What Investments Should I Choose?

Our clients often ask, “What investments should I choose in my 401(k)?” A 401(k) is a workplace retirement savings plan that has certain tax advantages for both the employer and the employee. Typically, when you elect to participate in your… Continue Reading →

Financial Planning When You’re In Your Twenties

According to a recent poll, the top indicators of being “grown up” are 1) taking full responsibility for your own actions, and 2) being financially independent. Some of the more traditional understandings, such as “finishing my education” and “getting married” were… 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 →

Annuity: Check the Fine Print

The regular ups and downs of the stock market are a thrill ride many people don’t want to take. We want some assurance that our hard-earned money won’t disappear in a market downturn. That’s the very moment that the annuity… Continue Reading →

How to Handle a Bear Market

A client recently expressed concerns about a coming decline in the value of stocks. She’s right to be concerned – we are entering the seventh year of rising market values. Since March 2009, the S&P 500 index is up 200 percent. This… Continue Reading →

How Much Money Do I Need for Retirement?

Do you know how long your current retirement savings will last? Most American households have far less than they need for retirement. According to a study by the National Institute on Retirement Security, “62 percent of working households age 55-64 have… Continue Reading →

Why Your Morning Coffee may be Killing your Budget

Many people rely on something to get them going in the morning, whether it’s hitting the snooze button, a hot shower, or…coffee. On those rushed mornings, you don’t have much of a choice…right? Before we answer that, let’s consider the… Continue Reading →

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