Nothing is Natural About Retirement

September 5, 2018 9:00 am

Many of our readers may be nodding their head in agreement. In fact, over the years I’ve heard more than a few people tell me that retirement is without exception an “Unnatural State”. Of course, many of us have seen the retirement research that evaluates these findings. The truth of the matter is that very few people get it right out... View Article

Tesla and Tax Law You Need to Know

August 16, 2018 10:00 am

Some of our readers may want to know whether Tesla is going to be taken private at $420/per share in the near future. While this has been all the rage over the past week in the media, some other rather important news was announced last week that will impact many of us. Related to recent tax law changes, the IRS... View Article

Don’t Debate Your Retirement Income Strategy

July 19, 2018 1:00 pm

We often discuss with clients how to create a proper retirement income strategy. Given so many retirement assumptions are different in today’s environment, its probably a good idea that many investors revisit their approach, especially since we have found that the key to creating sustainable lifetime income is mostly attributed to smart financial planning and investor behavior. However, one topic... View Article

Financial Planning, Index Investing and Bad Behavior

June 21, 2018 10:00 am

When it comes to financial planning and investing, we can all agree that each investor situation can be very unique and require different solutions in order to meet one’s goals or objectives. However, there are two phrases that I believe apply to almost every individual client I have ever served over my twenty year career. “The market doesn’t owe you... View Article

Tax Planning Arbitrage for 2018

May 17, 2018 10:00 am

2018 has provided new financial planning opportunities for many of us. As we highlighted in our recent January blog entry, Financial Planning and Tax Reform, recent tax law changes have required many of us to review the impact on our own situation. If you throw in a decade-long bull market for stocks, many investors need to review tax planning opportunities... View Article

Who Doesn’t Like Volatility

April 12, 2018 11:00 am

As we recap the first quarter of 2018, January saw the stock market continue its rapid surge upward, but the party did not last long on Wall Street. Volatility returned to the market in a significant way by the end of the month, and stocks have whipsawed up and down ever since. Not surprisingly, the media had their way with... View Article

Goodbye Old Retirement Assumptions

March 22, 2018 11:00 am

Based on a 2017 Retirement Confidence Survey by EBRI, only 18% of American workers feel very confident that they will have enough money to live comfortably in retirement. With this in mind, there are numerous demographic and social changes, such as greater longevity and improvements to technology, that are fundamentally changing the ways people live after they complete their primary... View Article

Mind Over Model in Factor Investing

March 1, 2018 2:00 pm

Checking the weather? Guess what—you’re using a model. While models can be useful for gaining insights that can help us make good decisions, they are inherently incomplete simplifications of reality. In this short entry, we discuss these considerations when it comes to factor investing. In investing, factor models have been a frequent topic of discussion. Often marketed as smart beta... View Article

Crystal Balls and Investor Behavior in 2018

January 18, 2018 9:00 am

As 2018 began, the major U.S. stock market indexes surged to yet another round of record highs. The first week of January saw the Nasdaq index top 7,000, the S&P 500 index clear the 2,700 mark, and the Dow Jones Industrial Average hit 25,000. Following this recent performance, some may ask what role investor behavior has had on portfolio returns.... View Article

Financial Planning and Tax Reform

January 11, 2018 8:00 am

The 2018 TAX CUTS AND JOBS ACT As most of us know, on January 1st, 2018 a not so “simple” tax reform went into effect. We recommend in order to get the most benefit from the changes, while avoiding mistakes under them, you may need to update your tax and financial strategies right away. Here are some FAQs to help... View Article