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

Is Your Advisor Giving You The Right Advice?

"If people would look carefully at their advisor recommended portfolio, they probably would find they are being charged an advisory fee by their advisor and then learn they are paying another fee in the mutual fund to have their money managed. Double fees."  Jeff Wisuri I cannot count the number of times I have sat [...]

The “Yin And Yang” Of Inflation

"When you are paying more for bread and butter, it's hard to remember that inflation can have both negative and positive effects on an economy."-Robert Layman Inflation has a well-deserved bad reputation. It is, after all, a direct cut to your paycheck because your money buys fewer goods and services necessary to maintain your lifestyle. [...]

By |2021-07-12T22:24:15+00:00July 12th, 2021|Financial Planning, Retirement Planning|

What Is A Short-Selling Squeeze

"Depending on to whom you listen, the recent GameStop "short squeeze" affair will have little to no impact on long-term investors, or… it will change everything."-Eric Coons If you saw the film The Big Short, starring Christian Bale, then you have undoubtedly heard of the standard Wall Street practice of "short selling." While there are [...]

Do You Have The Liquidity Needed For Downturns?

 "Liquid assets are a major component of a healthy financial plan. Are you making sure your clients have the cash they need to hedge against disasters?" Del Fujinaka Income shocks produced as a result of the pandemic have had a somewhat purifying effect on financial planning. Before COVID-19, many consumers were dismissive of the idea [...]

The Purpose Of Money Dictates Where We Invest

Let me say that all of America knows where to find Safety—CDs, money markets, and treasury bonds. All of America knows where to find an opportunity—the stock market. However, many do not know where to find safety, an opportunity for growth, liquidity, and income on the same dollar, at the same time, with no risk [...]

Make Sure Your Credit Score Is Accurate Or It Could Cost You

Credit bureaus track consumers’ credit history: making sure they pay their bills, aren’t late on those bills, and how much debt they carry. There are many credit bureaus, but the big three are Experian, TransUnion, and Equifax. When you borrow money from a lender, the lender pulls your credit report from one or more of [...]

By |2021-07-20T19:35:07+00:00June 29th, 2021|Financial Planning|

Retirees Should Invest In A Fixed Indexed Annuity 

As people get close to their retirement years, objectives and goals must adjust from accumulation to income distribution, and portfolio investment risk must be also be addressed accordingly. There is no good reason for investors at or near retirement to have stock or bond market risk, especially in the current low-interest-rate environment. So, where can [...]

If You’re Having Trouble Planning For Retirement, Your Brain May Be To Blame

"Life expectancies have dramatically increased in North America and much of the rest of the world. People now have to make critical life choices with a longer future in mind than ever before."- Teresa Kuhn. There's not much retirement advice I can give you that you haven't heard before. Parents, friends, co-workers, financial advisors, and [...]

What’s Really Behind Those “7% Guaranteed Rates” On Fixed Annuities?

"You've probably run across at least one of those "too good to be true" annuity ads. But, what's the real story behind those 7% rate promises?"- Jerry Yu Chasing after anything that promises a decent return is understandable. In an economy where interest rates have been held tightly in check by the Federal Reserve for [...]

By |2021-06-25T19:17:18+00:00June 24th, 2021|Annuities, Financial Planning, Retirement Planning|