Financial Planning

Divorce Can Be Very Costly To Retirement Planning

Make Sure You Understand the True Costs No one wants to think or talk about divorce, but the reality is, it does happen. Many people who plan to get divorced hold the misconception that they will be able to maintain their current financial lifestyle. “Two can live as one” As the old saying goes. While Read more >>

A La Carte Planning Don’t Be A Victim

By Aaron Hail A dangerous phenomenon is happening within the financial services industry.  For years marketing gurus taught the masses about niche marketing.  We listened and drank the Kool-Aid.  It happened across almost every industry and worked like a champ.  By focusing on certain segments of the population, specialists homed in on their craft and Read more >>

Don’t Let Extreme Fees Ruin Your Retirement

 Last week I met with a couple (I’ll call Bill and Mary) planning to retire in two years. Over their working careers they had built up a nest egg of about $400,000. They are carefully taking steps to change their portfolio from an accumulation strategy to an income producing strategy as they prepare to stop Read more >>

How to Choose a Financial Planning Attorney

By Joe Edgeworth Should you consider using a financial planning attorney. Often times, a simple meeting with an attorney can make all the difference in the world when it comes to orderly asset transfer. Here’s a story to illustrate why, a couple in Indiana decided to take the do-it-yourself approach to financial planning.  The husband Read more >>

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

      By Joe Edgeworth 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 big three are Experian, TransUnion and Equifax. When you try to borrow money from a lender the lender pulls your Read more >>

Old New And New News Are Still The Same News

By Rick J Hahn It may be “old” news (anything older than 30 days is old news), but the recent Wells Fargo scandal highlights the need for more Wall Street scrutiny. Wells Fargo, one of the oldest, most respected names in the brokerage business got it’s hand caught in the cookie jar. Over 5000 advisors nationwide involved Read more >>

Why Interest Rates Are Low And Will Stay That Way

By Bill Broich Well, at least for awhile. The simple answer is this, the lower the interest rate, the lower the payment obligations.  Based on that concept….. America has successfully refinanced its national debt from higher interest rates to lower interest rates.  88.5% of all national debt is now 10 years or shorter.  This is Read more >>

The Flip Phone Evolution To ROBO Advisors

By Bill Broich Remember when we all had flip cell phones? That technology has been replaced with newer better “smartphones.” It wasn’t that long ago that this revolution began and now each year we eagerly await the latest edition of iPhone 10. This has been accomplished in less than 10 years, 10 years of a Read more >>

Assets Under Management Fees and Expenses

By Bill Broich In the past, financial planners, stock brokers and financial advisors used assets under management as a revenue source.  It works this way:  the client has $500,000 invested with the advisor and even though some of the assets may have been acquired with some level of load (sales charge) the advisor charges a Read more >>

Robo Advisors And The Loss Of Customer Service

The financial industry is re-training their customer base to accept robo-advisors as actual customer service. What is the cost to consumers?

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