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ARTICLES

Clarity starts with education.

True or False Diversification?

The old adage, “Don’t put all of your eggs in one basket” has undoubtedly been a simple yet profound guide for investors for decades. The translation is simple; diversify your portfolio so that if unforeseen circumstances negatively affect one of your stocks, it won’t...

Who is Overseeing Your Team of Professionals?

Managing your financial plan can be overwhelming. After all, it’s ultimately up to you to make sure that your investments, retirement plan, estate plan, insurance policies, and taxes are all on track and working efficiently. That can be an intensive task for a...

Don’t Make Your Beneficiaries Search for Your Assets

You’ve likely heard or read about the importance of having an emergency savings account in case unexpected needs were to arise. Typically, that emergency fund is housed at a local bank or credit union. But whatever happened to the good old mattress fund? According to...

Why Investors Should Consider Dividend-Paying Stocks

Based on current economic forecasts, we could be entering a period when market returns lag behind historical returns, meaning investors might want to do due diligence on all investment strategies to find the best way to meet their objectives. If income is a goal,...

How to Maximize Employee Benefits From the Start

Starting a new job can be an exciting time. There’s no doubt that most are anxious to begin their new role and start learning and performing at their new company. This is even truer after extended absences from the workplace. However, before you can jump right in to...

Long-term Care: Traditional vs. Alternative Policies

As thousands of baby boomers retire every day, there is a growing concern about the future need for long-term care, whether that be in a nursing facility, assisted living facility, or even variations of in-home care. Many baby boomers are thinking, “What is long-term...

Individual Bonds vs. Bond Funds for Retirement Income

In our current interest-rate environment and with the state of the global economy, retirees looking for income-driven investment vehicles can be hard-pressed to find investments that offer decent yields or dividends. While many vehicles can generate income — including...

Annuities Can Work for Retirees, but Proceed With Caution

From high fees associated with increasingly complex products to questionable sales practices, annuities have gotten a bad rap over the years for many reasons. But they’re not all bad. Because certain annuities can offer a guarantee of income in the future, they may...

Younger Workers, It’s Time to Save for Retirement

Millennials and Gen Xers may not spend too much time thinking about retirement planning, but recent changes to Social Security highlight just how important it is for them to start now. Certain strategies that have allowed millions of retirees to increase their...

Advisor? Planner? Broker? What Financial Titles Really Mean

Working in the financial industry, I’ve noticed that professional titles that should have distinct meanings get tossed around, intermingled and used interchangeably. As a result, they’re often misunderstood. Those of us in the industry might know the differences, but...

Preparing Your Finances, and Your Family, for the Worst

One of the best things about being a financial planner is getting to interact with so many different people each day. We care a lot about our clients, and we do our best to build strong relationships with them. We learn as much as we can about their families, their...

Your stocks did well. So how come your portfolio didn’t?

Why do some investors find themselves not only underperforming benchmarks, but also underperforming their own investments — in other words, seeing poor returns from holdings that actually did quite well over time? The likely answer is poor, preventable investor...

Stock market naysayers paint an incomplete picture

Some in the financial media say a stock market correction is inevitable. That prediction is intriguing, but it has a few subtle, yet gaping holes. Are we standing at the precipice after a strong uphill climb in the world of investing, or does it just seem that way to...

Your Investments Might Not Be That Important

Many people weigh the success of their financial life entirely on the performance of their investment or retirement accounts. In the past, the world of financial advice revolved around what funds or stocks to pick and when to buy or sell. I’d like to share an idea...

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