Tag Archives | investments

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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Does 4% Retirement Rule Make Sense For You Today?

The most important and anxious questions I answer for my clients are:  “How much money will I have at retirement and will that be enough to live on? Of course, there are many variables in that calculation, one of the biggest is choosing an amount to withdraw from your investment nest egg every year. Many […]

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When Should Your Kids Start Planning?

Q. When Should Your Kids Start Their Financial Planning?  A. As soon as they have a job.   WHEN DID YOU START SERIOUSLY PLANNING AND SAVING? Please share when you started in the reply area below article. One of the biggest regrets many of my new clients share with me is that they wish they […]

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Stock Market Roars Up – Use Logic Rather Than Emotion

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

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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$1 Million in Life Insurance Not Enough – Time to Reevaluate

Last week, I was shaken when I heard about the tragic death of a Glen Ellyn acquaintance that lost a two-year battle to cancer. The death of this fine man, husband and father hit home not only because he had lived a few blocks away, but he was also my age, 48, and had three […]

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Who is Your Financial Planner?

Financial Planners are for Everyone “Failing to plan is planning to fail.” – John Wooden” It was recently brought to my attention that many people think that only “rich” people have financial adviser’s.  Nothing could be farther from the truth. If your family income is over $100,000/year or you are retired with investments of $200,000 […]

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Romney Wins – Then What?

When Romney Wins – Then What? Since Mr. Romney is well positioned to win the presidential election, I’ll take a few minutes to explain what I think might happen if Governor Romney is elected the 44th President of the United States. If Republicans also win both houses of Congress, expect there to be quite a […]

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Lessons to Bear

As a member of the baby boom generation (might I footnote very tail end of the generation :)) who hopes I am aging like a fine wine and not turning into vinegar, I wince at the idea of losing money again in a 2008-style meltdown. Although we are not technically in a recession or bear […]

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Free EBook – Pay Tax Once and be Done With It

I have just written my first EBook.  The concept is simple: read about the nine ways I invest my money and advise my clients to invest theirs so they can minimize or avoid paying tax altogether. I think income tax rates will eventually go higher, meaning it will be wise to invest in vehicles that […]

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