Planning Perspectives

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New Money to Invest – Lump Sum or Dollar Cost Average?

A question we have been asked repeatedly over the last six months has been: what is the best strategy to get into the market with new money?  Invest all of it at once?  Or invest in smaller increments over time through dollar-cost averaging? The most important thing to keep in mind is that the decision…


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2020: An Unforgettable Year

A global pandemic, a severe and abrupt recession, and civil unrest made 2020 a truly tumultuous and unprecedented year. But perhaps the real story of 2020 is one of resilience – the resilience of people, institutions, and the financial markets. For the year, U.S. stocks generated a positive return of more than 20%.  Non-U.S. stocks…


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Best Practices for Year-End 2020

As we approach the end of the year, it is prudent to review your situation and make sure that you have taken advantage of all that you can from a financial planning standpoint before December 31st, as well as be sure you are positioned well for the year ahead.  With that in mind, here are…


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How to Evaluate a Mortgage Refinance

With interest rates at historic lows, many homeowners are considering refinancing their current mortgage.  But making the decision to refinance or not can be tricky given the costs involved. Here are some factors to consider when considering a mortgage refinancing (“refi”). Is It Worth It?  The decision to refinance comes down to evaluating the benefit…


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The 2020 Election and Your Investment Portfolio

With election time now getting closer, we are inundated with opinions and prognostications about not only who will win but what that victory will mean for the markets.  When you couple the uncertainties of the election with the other trials facing our country including, but not limited to, high unemployment, the economic and personal consequences…


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A Checklist for Identifying the Right Advisor for You

Relationship Your advisor’s sole, continuous duty across your entire relationship should be to advance your highest financial interests (even ahead of their own) as a FIDUCIARY. Primary Role Your advisor should understand and account for your total wealth interests and advise you accordingly.   Understanding all components of your financial situation and how they interact is…


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What You Should Know About Retirement Plan Rollovers

Given the current economic environment where companies are laying off workers and, in some cases, going out of the business, the implications for employer-sponsored retirement plans are significant. Unfortunately, one of the consequences of the pandemic and the economic shutdown is that many companies are laying off workers and, in some cases, shutting down completely.…