About Brad Rosley

Brad Rosley, CFP®, is the founder and President of FFG which opened in Glen Ellyn, Illinois in 1996. He has been a Certified Financial Planner since 1990 and helping individuals with their financial decisions for over 25 years. Ask Brad your financial and investment questions!
Author Archive | Brad Rosley

It’s Never Too Early

The Time Value of Money is the oldest, wisest concept ever created for investors. Wait until you see what you could create by saving less than $7 a day toward college for an unborn baby! The real power of this concept comes from rate of return and period of years. You may be able to […]

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My Mother, My Idol

I think many of us would agree that our mother is/was probably under appreciated, especially when we were young. The older I get, the more I love and value my mother. I’m fortunate that she is still with me and going strong.  I’m especially lucky that we talk all the time, often multiple times per […]

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What Matters Most

“I don’t really care” is my first response to many questions these days.  Like the book, “Don’t Sweat the Small Stuff”, right now, due to a medical issue in my family, almost everything seems like “small or unimportant stuff”. Why does it take a situation where someone in your immediate family has a major issue […]

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Left Alone, Many Individuals Are Horrible Investors

Part 2. of 2. Individual Investors Left alone, many individual investors are horrible at timing the market. Instead of “buying low and selling high” people tend to do the opposite.  The proof is in the chart below: The terrible investor results are terrifically poor.  This chart reflects the results of purchases and redemptions from stock […]

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And the Winner is? Active vs. Passive Investing

Part 1 of 2 on Investing: Active vs. passive investing For this article the passive approach will be reflected by the S&P 500 stock index. Understanding the differences: It’s easy to get caught up in the Wall Street hype about which investment approach is better. My friends at Frank Russell Investments provided a good description […]

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Money and Marriage

“Marry a woman more frugal then you,” is great advice from one of my favorite books, The Millionaire Next Door. As some guys will tell you, it’s a lot easier said then done.  For those guys that have married a frugal woman, money is usually not a problem in their marriage.  With my clients, when […]

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Mini Van Beats Jet for Family Time

Last week our family embarked on yet another Spring Break vacation.  We packed our luggage (mainly beach wear) and five bodies into our 2004 Toyota Sienna (154,000 miles and counting) for a long drive. This year’s last minute idea was to go to Naples and then Marco Island.  Sunshine and warm weather was only 1,360 […]

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“Return on Life”

We have all heard the phrase “return on investment” and that is measurable, but have you ever considered what your “return on life” (ROL) was in the past year? I recently read a blog discussing the “Return on Life” concept and describing the 6 core values a GOOD financial planner provides. It referenced an industry […]

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All You Have To Do Is Ask

There are many reasons people choose not to ask for help, whether it be pride, stubbornness, procrastination, not knowing who to ask, etc. Recently, an acquaintance of our family stopped by my office unannounced. He was visibly shaken. He shared his most personal financial issues with me. He told me he had made some poor […]

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Super Strong Dollar Not Good for Foreign Investments

Many investors have a slice of their investments in international stock mutual funds. That is part of a diversified plan. True diversification is built by owning assets that move in different directions. We tend to not focus on the why’s, but rather look at the bottom line, “did I make money?” Don’t react to short-term […]

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