The Sources of Retirement Cash Flows
When you hear the word “diversification” in the context of investing, one thinks of owning multiple holdings across asset classes, geographical locations, and industry sectors.…
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Preparing for a Market Downturn
Warren Buffett’s annual Berkshire Hathaway shareholder letters often offer sage advice. His most recent 2016 letter was no exception, including this powerful insight about market…
Give Yourself Permission To Hire a Real Financial Advisor
Setting goals are important. It gives you something to work towards. But there is a huge misconception about goals that most people don’t figure out…
Understanding the DOL Fiduciary Rule
The DOL Fiduciary Rule, requires that all financial professionals who work with retirement plans or provide retirement planning advice must act as a fiduciary.
My Personal Finance Vision Statement
A little while back I began jotting down some of the rules that I try and live by when it comes to personal finance. Eventually,…
Standard of Care – Fiduciary or Suitability
Financial advisor, financial planner, financial consultant, wealth manager, etc. – there are many names used by investment professionals today. But what’s more important than the…
Plan For, and Then Accept, Embrace and Appreciate Bear Markets
While there is no official definition, a bear market has traditionally been defined as a 20% decline in a broad stock market index. Since the…
Financial Planning for College Funding and Retirement – Can the Two Go Hand-in Hand?
How can you save for college while also ensuring that you will have adequate resources for retirement and adequate cash flow to fund “life” while…