A solid financial plan is one of the most important things you can offer yourself and your family.

Sleep Tight Knowing Your Investments are Safe.

Sleeping well is tough with the volatility of our economy   The stock market is volatile. The CEOs salaries are out of control. The hedge funds are losing money. What options does that leave for the safety investors? Where can we invest our money to ensure it will not lose value? A bigger question is [...]

By |2019-04-06T15:49:02+00:00June 10th, 2019|Financial Planning|

Helpful Tips For Improving your Credit Score

Your credit score is used to evaluate your credit worthiness and determines the amount of the loan (credit) that you receive and the interest rate of that loan. The average credit score in the U.S. is around 678-750, but the average American is also more than Eight Thousand dollars in debt. While a credit score of 678 won’t keep you from getting a loan, it won’t necessarily guarantee you the best interest rate either.

By |2019-04-09T20:58:13+00:00June 7th, 2019|Financial Planning|

7 Shortcuts For Major Money Hassles

Hassle-free means less stress   One: Ace Your Retirement By the time you're 65, you'll need to have socked away about $25 for every dollar you expect to withdraw annually. That means that throughout your working life you must save. And save. And save. Oh, and don't forget picking investments and managing your portfolio year [...]

By |2019-04-11T22:45:32+00:00June 1st, 2019|Financial Planning|

Corporate Bonds, How Safe are They and What Happens if a Company Defaults.

Bonds are backed by the financial strength of the bond issuer. If the bond issuer is not able or chooses not want to pay, a bond can be in default. The reasons for default can vary from inability to pay to a desire to reduce the actual bond’s obligation. While US Treasury securities never default, corporate bonds default on a regular basis.

By |2019-04-09T21:03:31+00:00May 12th, 2019|Financial Planning|

Federal Deposit Insurance Corporation (FDIC): Safety and Security in the Banking Industry

The FDIC was created in 1933 to add stability to the failing banking industry. The concept was simple: provide guarantees for funds on deposits in member banks. Stability was necessary for the country to crawl itself out of the Great Depression. Since its inception, the FDIC and its guarantees have allowed the United States to prosper and gain confidence.

By |2019-04-10T15:41:48+00:00April 10th, 2019|Financial Planning, Investing|

US Treasuries: a very short history

The history of US Treasuries is fascinating and if you position the story right, it could make you that extra sale once in a while. US Treasuries go back to this country’s independence. The Revolutionary War was fought against Great Britain by the colonies as a united front but funded and manned by each individual state.

By |2019-04-08T10:33:48+00:00April 8th, 2019|Financial Planning|

What is the color of your money — Red or Green?

Has a financial professional ever asked you what the color of your money is? Many investors are unfamiliar with this terminology. Most individuals have not heard of this because their financial advisers are more interested in discussing the specifics of a certain product rather than how you will benefit from that product. What I see is that focusing on product versus color can have a negative impact on your retirement.

By |2019-03-06T00:11:46+00:00March 27th, 2019|Annuities, Financial Planning|

Rich Get Richer, Poor Get Poorer – What about the Middle Class?

In September 2013 a UC Berkeley study found that the wealthiest 1% of Americans saw their income grow by 31.4% between 2009 and 2012. Also it was discovered that income inequality in the United States was the highest since before the Great Depression. One reason why most in the middle class cannot move to a loftier position is our tax system. Workers are taxed at a different rate than investors — the difference between earned income and dividend and capital gains taxation is significant.

By |2019-03-21T22:50:43+00:00March 21st, 2019|Financial Planning|