Can Your Portfolio Withstand Serious Volatility?

Posted by on Sep 14, 2017 in Miscellaneous | 0 comments

Sept. 14, 2017 -- Other than a few bumps in the road, it's been up and away with the stock market since the capitulation day in March, 2009.You'd think a super hero has had something to do with it.Sometimes the headlines create fear, especially in the wake of the devastating floods, political turmoil, and threats from scary countries.But, the bullets have been bouncing off the markets of steel so far, but how long can it last?History shows that it's just a matter of time ... when, not if, a "correction" will occur.As often happens during...

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You Don’t Need No Stinkin’ Budget!

Posted by on Jul 5, 2017 in Budget, Cash Flow, Spending | 0 comments

That’s right, you don’t … if you are doing or have done one or more of the following:You know how much you need to save each month for your various goals and meet or exceed those amounts each year.You regularly review the items on your checking account statements, including transfers to and from other accounts.You aren’t carrying balances on any credit cards.You track your spending details online and are living below your means.You track your spending on a spreadsheet or accounting program on your computer and the amounts match the

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Investor Behavior: Caveats to Smart Investing

Posted by on Feb 18, 2017 in Blog, Goal Achievement, Goals, Income Tax Planning, Investments, Retirement | 0 comments

Individual Investors Continually Under Perform the Markets Year in, year out, investor behavior causes individuals to react emotionally to economic, market and political news, which costs them a lot in the long run. Those who have sat on the sidelines waiting to see the outcome of the election have missed record breaking stock market performance. When the boat’s at sea, you have to wait for the next one. Of course, past performance is no guarantee of future results. An investor could have found multiple reasons every year to pull their...

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Nothing Says “I Love You” Like A Sound Estate Plan

Posted by on Jan 27, 2017 in Blog, Estate and Trust Planning, Goals, Income Tax Planning, Life Insurance, Protection Planning | 0 comments

Here Are The Basics Everyone Should Know About Estate Planning:By definition, this is a process designed to help you manage and preserve your assets while you are alive, and to conserve and control their distribution after your death according to your goals and objectives.But what estate planning means to you specifically depends on who you are. Your age, health, wealth, lifestyle, life stage, goals, and many other factors determine your particular estate planning needs.For example, you may have a small estate and may be concerned only that...

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1987 Fun Facts

Posted by on Jan 16, 2017 in Fun Stuff | 0 comments

  How many of these do you remember from 30 years ago? Ronald Reagan made his famous speech, “Mr. Gorbachev, tear down this wall.” The Berlin wall, that was. The world population was estimated to be just over 5 billion. It is over 7.3 billion now. Popular Movies: Fatal Attraction, Moonstruck, Wall Street, The Last Emperor The unemployment rate was 6.2%. A first class postage stamp was 22 cents. The average increase in price has been less than 2.5% over the 30 years. Record of the Year: Higher Love by Steve Winwood. The...

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Bridging the Gap through 2017 & Beyond

Posted by on Jan 16, 2017 in Goal Achievement, Investments, Life Insurance, Protection Planning, Retirement | 0 comments

Resolutions, Fizzolutions. It’s not enough to want to change something. If all you do is WANT something to happen, it simply won’t. There’s a magic switch that has to go on, and only you can throw it for yourself. Call it the Ah, ha! moment, an epiphany, or holy crap! It has to happen to you, for you, by you. Most times, it’s when a major event occurs in our lives, like having a baby, buying a house, getting divorced, turning 50. You get the idea. New things you do this year have to be so compelling, that nothing will stop...

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Should You Convert? … to a Roth IRA, that is

Posted by on Sep 2, 2016 in Business Owners, Estate and Trust Planning, Goal Achievement, Goals, Income Tax Planning, Investments, Retirement | 0 comments

“To convert, or not to convert. That is the question.” OK, Shakespeare I’m not. But, I have had the question posed to me many times over the years, and sometimes I suggest it even though it wasn’t on a client’s radar. There are a lot of factors that go into this complex decision, and you need to be aware of what they are. I’ve compiled the pros and cons below from my experience with hundreds of planning cases over the years. You’ll probably choose one more of the yes and no reasons, so the decision...

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The Retirement Transition

Posted by on Aug 31, 2016 in Business Owners, Goals, Investments, Retirement | 0 comments

JOIN THE CLUB – Approximately 10,000 people in the U.S. turn 65 every day, so covering the planning for those retirement years is a major issue in this country. Unfortunately, there are many people who get laid off or become disabled before they choose to retire. Others retire without a direction for the next phase of their lives, and business owners wait too long to plan for the sale of their business. WHAT’S NEXT? Walking the dog, seeing the doctor once in a while, and going to the store are nice activities, but that...

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Now Is The Time For Quantitative Tightening

Posted by on Jul 21, 2016 in Economy, Investments | 0 comments

Quantitative easing (QE) was an infusion of capital to prevent a potential collapse of the economy, and the FRB’s history of telegraphing their decisions on rates has helped bolster the markets along the way. Contradictory economic data hits them almost daily, making it difficult, if not impossible, to pursue a steady policy or formula. It’s worse than trying to guess where a pinball will go next. You can’t predict chaos.   According to the Federal Reserve Act, their monetary policy objectives are to “maintain long run growth of...

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Fiduciary Rule Proposed by Dept. of Labor May Get Watered Down

Posted by on Jul 15, 2016 in Advice for Advisors, Economy, Investments, Retirement | 0 comments

The Department of Labor (DOL) fiduciary rule is intended to protect owners of plans in IRAs and those that can be rolled over into an IRA. The purpose is to make sure that any recommendation is in the best interest of the investor, not the advisor. The hope is to regulate the greed of advisors who are only looking to make a high commission without concern to the long term impact on the consumer. This rule should weed out unscrupulous sales practices. It is supposed to start rolling out in April, 2017. That would be a very good thing for...

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