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We Salute Our Military Veterans!

Today is Veterans Day and we want to express our gratitude to all the brave men and women who have served in the U. S. military. Thank you for your years of service.
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Automated Financial Advice – Robo or No Robo?

Clients hear a lot about different types of financial risks they are exposed to when they plan for retirement; however, when you boil it all down they really care about only one risk and that is the risk of loss. Investors have lost 40% of their portfolio value since 2000… twice! One loss alone requires...
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Investing Disaster

Avoiding Investment Disasters: It’s No Accident – Part 2

This is the second of two posts on how avoiding investment disasters is no accident. It takes careful and thoughtful planning.   In our previous post (here) we discussed how a static risk management approach supplies too little protection in bear markets and too much in the bull markets. In fact, a good analogy is to...
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Reflections on Being Thankful

It has been some time since I stepped away from a strictly financial planning topic and pulled back the curtain to talk about something more personal. The goal of this e-newsletter every month is, after all, not about me but about how I can help you find Clear Direction for your Retirement. However, with Thanksgiving...
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IRA Planning

IRA Planning – What Now with New Tax Laws?

Change, as annoying as it can be, is inevitable and so we must be proactive in dealing with it. This is especially true as it pertains to our finances. For most investors, qualified tax-deferred accounts (IRA’s, 401k’s, etc) are where the majority of their retirement assets are held. In that regard, there have been recent...
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The Five Critical Puzzle Pieces of Your Retirement Plan – Part 2*

In Part 1 of The Five Critical Puzzle Pieces of Your Retirement Plan (here), we detailed how putting your retirement plan together is like fitting together or coordinating the pieces of a puzzle…some of which are constantly changing. We looked at the first of the five puzzle pieces, the Income Plan. In this post, we’ll...
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The Five Critical Puzzle Pieces of Your Retirement Plan – Part 1

My wife and I are pretty spontaneous travelers. In spite of this, we have found that planning around a few basic things based on where we travel can really help us get the most out of our getaways. Doing some pre-planning around things like our ultimate destination, how long we’re going to stay, specific directions...
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ROTH IRA

Roth IRAs and the New Tax Laws

As most of you probably know, the new tax law that went into effect for 2018 presents both challenges and opportunities for many. For many of our clients, one of the opportunities this change created concerns Roth IRA conversions. To refresh your memory, a Roth conversion is different from a Roth contribution. A conversion simply...
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Dollar Bills

Negative Interests Rates May Be On Their Way

Have you been hearing rumblings of negative interest rates? If you've been reading what's being said in financial media circles you may have heard prognosticators discussing the specter of negative interest rates. You may be asking, “What’s exactly is a negative interest rate? Who would ever invest like that?” To understand what negative interest rates...
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Billionaire Mentor

The Secrets of Arkad: Your Personal Billionaire Mentor – Part 2

In our first post on “Your Personal Billionaire Mentor” (here), we looked at the first two secrets for building wealth drawn from the book “The Richest Man in Babylon” and its primary character, Arkad. He apparently did pretty well for himself, as he went from poor scribe to reportedly being the richest man in all...
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