Articles By Stephen Dybwad

Stephen is an independent financial advisor who believes the true art of financial guidance is not so much in the accumulation of assets but is in the preservation and distribution of those assets. Steve has been providing highly individualized financial guidance to clients across the nation for over 30 years. He is a popular speaker and lecturer and has formed several strategic alliances with accountants, attorneys, and other professionals to bring a multi-disciplined approach to the planning process.
March 23, 2023

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As people plan for their retirement, one crucial aspect often overlooked is the cost of long-term care. With an aging population, increasing expenses faced by retirees and their families due. . .

February 22, 2023

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Marriage can be a wonderful thing, tragically, 40-50% end in divorce. The legal and financial implications of a divorce can be complicated, but there are steps you can take to. . .

January 20, 2023

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You may have heard of annuities and have a general idea of how they work, but do you know how to find the right annuity for your needs? These products. . .

February 15, 2022

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In the 2009-2010 NFC Championship Game, the Minnesota Vikings and the New Orleans Saints were tied 28-28 late in the fourth quarter, with the Vikings close to field goal range.. . .

July 6, 2021

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What did you say? You know how this goes. Markets decline, account values drop, clients get nervous, call you for advice, and now it is up to you to provide. . .

June 27, 2018

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Every decision you make today, and action you take today, carries an element of risk and offers a potential benefit. It’s such an inherent part of life, and we don’t. . .

April 25, 2018

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There are advisors today who make a big deal about the fees the “other guys” charge. Apparently, they want you to believe that they don’t get paid to help you. . .

April 20, 2018

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Make sure your comparisons are apples to apples Which is better, a hammer or a screwdriver? It depends on what you are trying to accomplish, doesn’t it? Both of them. . .

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