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Unintended Outcomes: Long-term Care

Friday, March 3, 2017 | Leave a comment

As a Certified Financial Planner, I work to build plans that reflect my clients’ futures as accurately as possible.  Inevitably, planning comes down to a question of dealing with unintended outcomes.  For example, “How will the possibility of a long-termContinue Reading...

Estimated reading time: 9 minute(s)

Baseball Investment Strategies

Friday, February 24, 2017 | Leave a comment

Statistics are interesting and can reveal different scenarios based on the time frame being viewed.  Imagine a baseball player who strikes out 200 times and has 50 home runs in a year.  This baseball player is very similar to anContinue Reading...

Estimated reading time: 12 minute(s)

Dear Ole Dad’s Pension

Friday, February 17, 2017 | Leave a comment

I was talking to a client whose Dear Old Dad advised that assets should double every 7 to 10 years.  He also said she could do this while withdrawing 5% per year.  This scenario was possible in her dad’s era.Continue Reading...

Estimated reading time: 9 minute(s)

Roth vs. Traditional IRA

Friday, February 3, 2017 | Leave a comment

I know a woman named Jennifer, who thanks herself when she benefits today from something she did previously.  It might be as simple as having milk in the refrigerator because she stopped for a gallon the night before.  Retirees withContinue Reading...

Estimated reading time: 28 minute(s)

Your Retirement Road Ahead

Friday, January 20, 2017 | Leave a comment

Growing older requires most of us to think about the road ahead and things we have never approached before.  A big one is the “R” word.  Yes, retirement starts to get closer.  If you have taken the time to prepare, thenContinue Reading...

Estimated reading time: 11 minute(s)

Questions to Ask About Your 401(k)

Friday, January 6, 2017 | Leave a comment

An employer-sponsored 401(k) savings plan is a great vehicle for accumulating wealth on a tax-deferred basis.  Because all 401(k) plans are not created equal, you may need to improve the plan so it better meets your needs.  All you haveContinue Reading...

Estimated reading time: 7 minute(s)

Mailbox Money

Friday, December 30, 2016 | Leave a comment

As we move through time, we seldom think about what life will be like when we retire.  You work for 25- 35 years and get paid regularly for your efforts.  Then one day you stop working and the paychecks stopContinue Reading...

Estimated reading time: 8 minute(s)

How Do We Build An Income Plan?

Thursday, December 22, 2016 | Leave a comment

You may have had an investment plan for years.  You follow a strategy you’ve become comfortable with, and put as much as you can into your investment plan.  Accumulation is the name of the game at this point.  Then oneContinue Reading...

Estimated reading time: 7 minute(s)

Understanding Investment Outcomes

Friday, December 9, 2016 | Leave a comment

What do you want out of your investment portfolio? I’m fairly certain you want 100% of the upside and none of the downside. I will continue looking for that perfect balance, and keep you posted on how it turns out.Continue Reading...

Estimated reading time: 13 minute(s)

Tweaking 401(k) Options

Monday, November 28, 2016 | Leave a comment

As we look at 401(k) investment options, they may appear very “vanilla” in what they offer. I laugh out loud when some “investment guru” says cost is the only thing important. They’re basically implying that you should buy a low-cost,Continue Reading...

Estimated reading time: 12 minute(s)