How to Turn Assets Into Income: Part 2

March 23, 2017 1:00 pm

Following a seven-year bull market in real estate and stocks, most of us have watched our home values and retirement accounts increase in value during this period. Regardless of whether you are in the midst of your peak earning years or just wondering where you stand financially, it would be wise to pause and measure progress towards your personal financial goals. In How... View Article

Advanced Estate Planning: So, Mom Is Dating Again?

March 16, 2017 1:00 pm

During most of my career in financial services, the first few months of each year is filled with heavy conversation surrounding investments, the stock market, and getting taxes done. Naturally, some lead to how that impacts one’s retirement and ability to sustain lifetime income. However, thus far this year I’ve also been receiving many estate planning questions which allows me... View Article

How to Turn Assets Into Income: Part 1

March 9, 2017 1:00 pm

For the last decade, we have heard about the ten thousand people each day heading into retirement. Still, there are those of us who continue to work hard and accumulate assets for the future. Regardless of how great of a saver you might be, its wise to understand how to one day turn your assets into income. Some believe this involves only your stock and... View Article

Ten Common Financial Planning Excuses

March 1, 2017 1:00 pm

Those who make bad money decisions can often rationalize them. In-fact, human beings have a mind-boggling aptitude for self-deception when it comes to our own money. In both our careers and our personal lives, we tend to rationalize our own fears. So instead of just recognizing how we feel and reflecting on these thoughts, we cut out the middle man and... View Article

How Do Rising Interest Rates Affect the Stock Market?

February 22, 2017 2:30 pm

Over the last few days, the topic of interest rates is back in the headlines. In fact, as of today it appears many Federal Reserve officials see a rate hike fairly soon. Many of you may even be curious how this affects your financial situation. For those holding fixed income assets or withdrawing income from their portfolio in retirement, it... View Article

Retirement Income and Advisory Fees

February 17, 2017 12:00 pm

As 2017 is well under way, the discussion continues around whether financial advisory fees should be based on a traditional percentage of assets under management (AUM) or instead be under a retainer fee structure. While we are in the early innings of this debate, for this entry I am just going to focus on fees charged to those clients or... View Article

Are Stocks Overvalued?

February 9, 2017 2:00 pm

As a follow up to our recent blog entry, “2016 Market Review”, some friends recently asked me about current stock market valuation levels. In the following chart, we see that several major stock market indices surged to new all-time highs at the end of 2016 (Some indices have moved even higher in 2017). The Question:  Is the stock market overvalued?... View Article

2016 Market Review: Was It Really Anything Special?

January 27, 2017 8:00 am

Every year as we approach a New Year, it seems a lot of chatter, predictions, and concerns about the capital markets takes place. It is clear the end of 2016 was no different as there seemed to be many pundits, media, and investment managers who continued to paint a picture that it was a “crazy” year. Here’s the punchline: 2016... View Article