The Wall Street Journal did a whole series of articles last week on the big shift major mutual fund companies are seeing away from active management. See: Wall Street’s ‘Do-Nothing’…
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Do you have a fire safe at home? If you don’t, you should. It’s an important piece of any Estate plan, and too often overlooked. Some people prefer safe deposit…
Indexing is not the same as smart, low cost investing. With indexing, you accept the market performance of an index designed to measure market performance. A key point here: market…
One month away from the general election, everyone is talking about how the next President will affect the stock market. Opinions vary based upon political leanings, but most believe there…
updated May 1, 2018 For many people, there is a point where things change financially. It’s at different stages of life for different people, but at that point, it’s time…
As an investment adviser, people ask me all the time “how’s the market doing”, and I always try to answer politely. Believe it or not, I never watch CNBC and…
One of the first things I realized when I started in this business was the need for long-term care insurance. It was clear then, and is still true today, that…
Life insurance agents created the financial planning community, and sadly their own was damaged in the process. Can recent regulation spur a rebirth? Needs-based selling, where an agent gathered pertinent…
You’ve still got time. Think of the DOL’s new fiduciary rules as a shot across the bow. Heed the warning, change course, and discover how rewarding this business can be…
It’s inevitable, from working over twenty years in an industry like mine, you tend to get a little cynical. The ink is hardly dry on the new “fiduciary” standard promulgated by…
updated April 25, 2018 If your advisor is not on the same page with you, it makes it harder to weather downturns. There are five very basic service points your…
With billions of dollars exchanging hands each day, continual fluctuations in prices, and constant media chatter about the “market”, it’s easy to lose sight of what we are actually purchasing…
We headed into our first semi-annual client reviews of the year last week with a certain level of apprehension. A big drop in the market right out of the gate…
For many years now, the Department of Labor has been steadily attacking business as usual in the retirement plan selling business. Based upon the Pension Protection Act of 2006, final…
Last Tuesday, we pretended like a tornado hit the office. All day we worked from home, testing our communications and computer systems to make sure we would be able to…
Without a plan it’s easy for things to get out of hand. Here are some steps you can take to make sure all of your gifts get handled reasonably and…
Like all Registered Investment Adviser Firms, we maintain cyber security policies and procedures to protect sensitive client data from theft and fraud. Many of the measures we take can be…
As you invest and save more, the movement of money between accounts becomes a larger part of your financial life. Here is some good information on the process, safety protocols,…
With four kids to raise, I have always maintained a good amount of life insurance coverage. Over the years, I have made changes from time to time to take advantage…
We have all formulated strong ideas of what success looks like since childhood. In many ways, personal financial success gets defined FOR us by the outward appearances of those we believe…
The hot August sun was starting to make itself known as morning advanced. There were just a few plays to go until the first Freshman inter-squad scrimmage of the season…
“Buy when there’s blood in the streets” – Baron Rothschild During the Panic of 1871 in Paris, when everyone was selling, Baron Rothschild (according to the story) was buying. This…
On the Fo’c’sle of the USS John Rodgers in the warm sun of Valparaiso, Chile we watched as command passed from one captain to another. We knew little and had…
This is a two part series about two Captains I served under consecutively aboard the USS John Rodgers, a Spruance Class destroyer, shortly after the Persian Gulf War. The first…
It’s hard to believe the year is halfway over. Now is a good time to review and determine what steps need to be taken to finish out the second half….
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