A La Carte Planning Don’t Be A Victim

A dangerous phenomenon is happening within the financial services industry.     For years marketing gurus taught the masses about niche marketing.  We listened and drank the Kool-Aid.  It happened across almost every industry and worked like a champ.  By focusing on certain segments of the population, specialists homed in on their craft and focused [...]

By |2019-03-20T20:07:45+00:00May 29th, 2017|Financial Planning|

Human Beings Are Strange Animals Indeed!

Consider the goat. The first time a goat comes in personal contact with an electric fence, well, it remembers the lesson from then on. I have even seen animals teach the lesson of a bad personal experience to OTHER animals, who then avoid the situation themselves, thus preventing the negative experience for themselves! Not so [...]

By |2017-10-23T01:07:21+00:00May 27th, 2017|Retirement Planning|

Don’t Let Extreme Fees Ruin Your Retirement

Don't let fees and expenses erode your retirement account Last week I met with a couple (I’ll call Bill and Mary) planning to retire in two years. Over their working careers, they had built up a nest egg of about $400,000. They are carefully taking steps to change their portfolio from an accumulation strategy to [...]

By |2019-03-20T06:46:30+00:00May 27th, 2017|Annuities, Financial Planning|

Greed and Fear Can Destroy Your Finances

Greed and fear are human emotions and with them can come human mistakes. Fear: an unpleasant emotion caused by the belief that there is a threat that could harm you. Greed: An intense and selfish desire for something, especially wealth. While these words are, by definition, very different, they relate to each other in the [...]

By |2017-10-23T01:10:51+00:00May 25th, 2017|Retirement Planning|

4 Percent Rule or Annuity for Peace of Mind in Retirement (Don’t Worry – Be Happy!)

Today I’d like to discuss what makes retirees happy. To quote The Pension Research Council, 2003: “Research has shown retirees with greater amounts of guaranteed income show more satisfaction, worry less, and show fewer signs of depression”. (1) Now that sounds like a very sensible statement; however, from speaking with so many people over the [...]

By |2019-02-16T17:51:39+00:00May 22nd, 2017|Annuities|

Buffett Says. The Problem is Health Care

Mr. Buffett said, a specter much more sinister than corporate taxes is looming over American businesses: health care costs. And chief executives who have been maniacally focused on seeking relief from their tax bills would be smart to shift their attention to these costs, which are swelling and swallowing their profits. “If you go back [...]

By |2017-10-23T01:24:10+00:00May 9th, 2017|Retirement Planning|