Learn tips and tools to increase savings, balance risk & return, and maximize your retirement savings.

Simplifying Retirement Income Planning

Simplifying Retirement Income Planning (and eliminating: "so what’s the catch?” )  Planning for one’s retirement is not nearly as complicated and confusing as you have been led to believe.  You just need to understand how to overcome the “catch,” as in, “so what’s the catch?” Yes, we’ve all been told, if not instructed, that planning for [...]

By | 2017-11-20T01:08:43+00:00 November 16th, 2017|Retirement Planning|

Inflation And A Retirement Income Concept

President Ronald Reagan famously said about inflation: “Inflation is as violent as a mugger, as frightening as an armed robber and as deadly as a hit man.” Inflation is not all bad, because of inflation, we have less exposure to a depression or so said John Maynard Keyes.  Many agree with his thoughts, but many [...]

By | 2017-11-08T19:19:21+00:00 October 31st, 2017|Retirement Planning|

The Great American Rip-Off

The idea of a 401(k) created by Congress was and is a beautiful idea.  What is not attractive about them is the method in which they are managed.  Managed by Wall Street.  In congress’s favor, the idea was brilliant; they merely forgot one small detail.  Where there are over a trillion dollars, there will be [...]

By | 2017-11-08T19:18:19+00:00 October 27th, 2017|401(k) Rollovers, Retirement Planning|

Retirement Planning May Require Outside Of The Box Thinking

I am about to start teaching retirement planning to a group of 20 somethings.  Why?  Believe it or not, that is when the first steps should be taken to a successful retirement.     However, there is a stumbling block for this age group; they don’t have a lot of disposable income to put into a [...]

By | 2017-10-22T23:29:37+00:00 October 20th, 2017|Retirement Planning, Uncategorized|

Control What You Can And Plan For What You Cannot Control

There are few things we can control in life; we cannot control tax increases, inflation, crashes in the market, or unexpected health crisis.   What you can control is how you plan for the unexpected, which is imperative, especially when you are near or in retirement.   What you do with your assets that you [...]

By | 2017-10-22T23:32:20+00:00 October 13th, 2017|Retirement Planning|

What Happens To Your Retirement Plan When The Market Crashes?

Americans have a short memory; especially when the market is on fire like it has been for the last eight years.  Records are being broken with the Dow hitting all-time highs, and this run is the second longest run in U.S. history.   But we all know it can’t last, and unfortunately, no one knows [...]

By | 2017-10-22T23:34:31+00:00 October 6th, 2017|Retirement Planning|

What Is The Purpose Of A Second Opinion?

To me, the answer would be to confirm that the first opinion is correct or that we have enough information in which to consider when making a decision.  Unless it has something to do with your health, most people don’t think twice about getting a second opinion.   I often find that in the business of [...]

By | 2017-10-22T23:35:18+00:00 October 3rd, 2017|Retirement Planning|

Our Government Has Mortgaged Our Future

Debt, how can we owe so much? Our National Debt is now officially $20 Trillion.   The debt is $61,000 for each man, women, and child in America, Congress has mortgaged all our future. The national debt limit has been raised 74 times since 1962. The most recent increase was for $318 billion, allowing a [...]

By | 2017-09-30T21:40:29+00:00 September 30th, 2017|Retirement Planning|

How Much Will It Cost Me?

I hear this question with every prospective client I meet.   Why?  Because they expect to pay an advisor a fee to speak with them, they are used to having fees and expenses subtracted from their investment to pay for someone to manage their money.     I explain to them that I never charge for my [...]

By | 2017-10-22T23:39:42+00:00 September 25th, 2017|Retirement Planning|

Are You Prepared For The Next Storm

After experiencing my first hurricane (and coming out unscathed - thank you God), I realized how important it is to be well prepared for the unknown. While we knew about Irma coming towards us for quite some time; not knowing exactly where or how hard it would hit was nerve-wracking. To prepare for Irma, I [...]

By | 2017-10-22T23:41:05+00:00 September 18th, 2017|Retirement Planning|