The case for passive investing is a compelling one. Year after year we hear stock pickers say the same thing, which is “now is the time for active management”. Yet year after year the data becomes more compelling that stock picking is not a reasonable way to expect to outperform the broad markets. Standard &…
Real Estate Investment Trusts (REITs) are an asset category with a long history of solid investment returns that do not always demonstrate a direct correlation to the rest of the investment universe. They have served as an excellent diversifier when combined with other traditional investments. REIT’s are companies that own or finance properties that produce…
Those of us that lived through the financial crisis of 2008 as active investors remember it quite well. Many who never invested at all may still remember it rather vividly. What often gets overlooked is how quickly financial markets recovered in terms of asset prices. In the aftermath of the financial crisis, the US…
Insurance coverage is a vital part of financial planning. When most people think of insurance they envision life insurance, auto coverage, homeowners or even in some cases long term care coverage. However, one of the most overlooked and reasonably inexpensive insurance is that of umbrella insurance. An umbrella policy is a form of insurance…
In late 2017 congress finalized the Tax Cuts and Jobs Act (TCJA) which was effective beginning in January 2018. There were a number of changes to both corporate and personal income tax rules. A number of these tax laws have a sunset provision that is due to expire beginning 2026. Let’s take a look at…
The high yield fixed income market, also known as “junk bonds” is often one of the most misunderstood asset classes by many investors. In recent years with interest rates at historically low levels, many investors have attempted to look at different investments to enhance the cash flow generated from their portfolio. One such area has…
How often have we heard that markets are volatile, and you simply need to stay invested rather than panic? To the average investor, the answer is likely countless times. So how reliable are such cliché like statements about investing? The answer is; extremely reliable, so long as you don’t attempt to out think financial markets….
Many investors find the thought of using the ROTH IRA for tax-free growth as a very attractive option, but ultimately never participate. This is typically due to their income, which can phase out an investor from making a contribution to a ROTH IRA if it exceeds certain thresholds. However, investors are offered the opportunity to…
As many investors have started to take note, interest rates have begun to rise. The Federal Reserve Board (Fed) has signaled at least three interest rate hikes for the calendar year 2018. As the additional concerns of rising inflation begins to mount in the eyes of many forecasters, it is entirely possible that…
Among the most consistent questions my colleagues and I have received as financial planners from investors relates to the timing of when they should take their Social Security (SS) benefits. Social Security is a relatively complex system with many rules that pertain to various circumstances. Let me first emphasize that there are no absolute answers,…
Disclaimer: This website is for informational purposes only and does not constitute a complete description of our investment services or performance. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered or where an exemption or exclusion from such registration exists. Information throughout this site, whether stock quotes, charts, articles, or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe is reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY LINKED WEBSITE.