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Obamacare – Pass on Insurance? – Train Wreck Coming

By on May 1, 2013 in Achieving Financial Independence, Policy and Your Money, Post-Retirement Planning

If the average family were to pay $10,000 per year for insurance, might they be better off keeping that money in a savings account and paying out doctor bills from that account and keeping whatever they don’t spend each year? What if you are diagnosed with a terrible disease?  As of 1/1/14, at that time, [...]

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Assault on Gold

By on April 17, 2013 in Post-Retirement Planning, World Economics

The precious metal’s biggest drop in 30 years on Monday left it deeply entrenched in bear-market territory. Recently, gold prices have dropped 28% from their record settle high in August 2011. Gold’s 13% decline over two days marks a potentially historic reversal for an investment that gained wide acceptance after gains of more than 500% [...]

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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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3 Retirement Obstacles

By on March 20, 2013 in Achieving Financial Independence, Balanced Living, Investments, Post-Retirement Planning

Getting older just kind of happens.  The next thing you know you’ve hit 50 and can’t believe you are that old.  I won’t be there for another year, but already feel that way, especially when my son reminds me that I have been out of high school for over THIRTY YEARS! Many of my clients [...]

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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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Dow Hits All-Time Record – Looking Backward and Forward

By on March 5, 2013 in Achieving Financial Independence, Investments, Policy and Your Money, Post-Retirement Planning

  The Dow Jones Industrial Average (Dow) closed just above its peak 5 ½ years ago, but as you will see below much has changed over that time. The Last Time The Dow Was Here (Oct. 2007) vs. Today: Dow Jones Industrial Average: Then 14164.5; Now 14253 Regular Gas Price: Then $2.75; Now $3.73 GDP [...]

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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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What is Your Retirement Number? – Why It’s Going Up…

By on February 11, 2013 in Achieving Financial Independence, Investments, Policy and Your Money, Post-Retirement Planning

This catchy marketing phrase coined by ING has taken an interesting and horrible new twist for current retiree’s trying to live off the interest generated from bonds and other fixed interest investments.  Unfortunately, “your number” is a moving target based on several key variables, some of which you cannot control. We can control our spending, [...]

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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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4 Expectations from President Obama’s Second Term

By on January 21, 2013 in Investments, Mortgage, Policy and Your Money, Post-Retirement Planning

Americans have re-elected President Obama and he was inaugurated for a second term.   The president won the Popular and Electoral College vote.  President Obama has promised to bring our country together during a time when after he first term, our country has never been so divided. If you look at the map of who won [...]

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