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Why CFP® Certification Matters

By on April 24, 2013 in Balanced Living, Goals-Based Planning

Most people think all financial planners are “certified,” but this isn’t true. Anyone can call himself a “financial planner.” Only those who have fulfilled the certification and renewal requirements of CFP Board can display the CFP® certification marks, which represent a high level of competency, ethics and professionalism. CFP Board’s Standards of Professional Conduct require [...]

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SUMMER INTERNSHIP SEACH 2013!

By on April 16, 2013 in Achieving Financial Independence, Balanced Living, Child's Play, Goals-Based Planning, Uncategorized

 With students entering into the final stretch of the spring semester many are still contemplating their options for employment this summer.  Many students are still looking to land a summer internship.  Although many young adults have already solidified their plans for the summer, many are still looking for the opportunity to land a summer internship. [...]

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Stock Market Roars Up – Use Logic Rather Than Emotion

By on April 3, 2013 in Achieving Financial Independence, Goals-Based Planning, Investments, Post-Retirement Planning

The U.S. stock market just had a terrific first quarter.  The S&P 500 index was up 10.0% over the past three months. My client portfolios were not up that much because they also own many other investment asset classes that didn’t advance nearly as much.  For example, the bond market was flat for the quarter, [...]

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Another Silver Lining to Investing in an IRA

By on March 19, 2013 in Achieving Financial Independence, Balanced Living, Estate Planning, Goals-Based Planning, Post-Retirement Planning, Tax Planning, Uncategorized

This is the time of year you will hear much about IRAs (Individual Retirement Accounts) This is because an IRA contribution is the last tax deduction you can still create for your 2012 tax return to make a pretax IRA contribution (provided that you not eligible for another form of retirement saving, ect 401k defined benefit [...]

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Huge Future Retirement Expense is Lurking

By on February 19, 2013 in Achieving Financial Independence, Estate Planning, Goals-Based Planning, Investments, Post-Retirement Planning

Chances are more than 50/50 that you will need help getting along later in life.  The cost is prohibitive and someone (not Medicare) will pay the bills.  Home health care is expensive and nursing home care is REALLY EXPENSIVE. The tab could be a few hundred thousand dollars!   “Failing to Plan is Planning to [...]

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5 Big Financial Planning Mistakes – COST YOU A BUNDLE

By on January 28, 2013 in Achieving Financial Independence, Balanced Living, Counting Your Pennies, Estate Planning, Goals-Based Planning, Insurance, Investments, Investor Psychology, Post-Retirement Planning

Avoiding life’s big financial planning mistakes is not hard if you plan well. Financial planning, however, takes a backseat to day-to-day living for many people and this is where the potential problems creep in. Here is a list of five key planning issues that everyone should address: 1.     Not Enough Liquid Savings Having plenty [...]

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2013 Investment and Economic Outlook

By on January 14, 2013 in Achieving Financial Independence, Goals-Based Planning, Investments, Investor Psychology, Policy and Your Money

The past decade has been a difficult one for investors with volatile stock prices and economic uncertainty. At times we lived though some very frightful times going back to the Dot Com blow up and all that has happened since. There have been many predictions for a bleak future this year and throughout history as [...]

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A 2012 Holiday Gift for You

By on December 14, 2012 in Balanced Living, Child's Play, College, Goals-Based Planning

Happy December!  With the days counting down to Christmas, year-end and the impending buzz on the Fiscal Cliff, I just wanted to send you a brief message and direct you to a few of our posts that have received considerable attention, most likely because they relate to issues most near and dear to our own personal lives…college [...]

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You’re Not Alone – Who Can Afford College Today? College Calculator

By on December 8, 2012 in College, Goals-Based Planning, Investments

College costs for kids today are ridiculous and unaffordable for most people. We are in this together.  I have three children ages 14,13 and 11 that are planning on attending four-year colleges as of now.  The future costs could be close to $500,000 depending on what schools they attend!!!!  Take a look at my College [...]

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Post Election Economic and Investment Outlook

By on November 15, 2012 in Achieving Financial Independence, Goals-Based Planning, Investments, Policy and Your Money, Tax Planning, World Economics

Well the first several days after the election has seen the stock market drop by five percent, leaving those that follow our nation’s fiscal situation feeling uneasy.  I feel the same way as I have been yelling from the tallest tower (or at least my weekly blog) that our government spending is out of control [...]

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