Blog

Saving and paying for college is a major source of stress around this time of year. The cost of both private and public schools certainly isn't going down. Many parents of college-aged children are receiving tuition bills in the mail, no doubt eager to shell out the big bucks for classes, room and b...

I have received four different offers to open new credit cards as of Wednesday of this week. Lucky me. I can't say that I am surprised by this as credit card debt in America has risen to new levels, again. The good news here is that we are doing a better job at paying the debt down in a timely fashi...

Our clients have a wide variety of investment goals. Some are looking to preserve wealth and generate income, others are looking for steady growth, while a few enjoy speculation. Regardless of their goals, no one likes to lose money. Although volatility is inevitable, and most investors understand t...

401(k) or Roth IRA - which is best for me? I'm often asked this question, and the simple answer is: "Yes!" Both types of accounts are excellent savings vehicles, and provide excellent benefits to you when looking for ways to efficiently save and grow your retirement nest egg. An example I often use...

I recently saw a statistic that assets in target date funds are now at $481 billion. This is not surprising considering almost every 401(k) plan in America offers target date funds for their employees. Many investors choose these funds due to their ease of use. You simply select the fund that is clo...

I recently helped a client begin contributing to her new employer's 401(k) plan, and couldn't help but chuckle at the following line, found buried in the fine print: "you may change your investment allocation 99 times per plan year." At that rate, you'd be making changes to your plan nearly twice a...

Friday we had a better than expected employment report. The initial reaction to the news sent stocks higher and bond prices lower (interest rates higher). This is an interesting change of character compared to recent market activity. Previously, good economic news resulted in both bonds and stocks t...

By now we've probably all heard of the Nigerian e-mail scam. Provide your banking information, account number, etc., send some money to pay off a government official and reap millions of dollars. A crazy hoax. Here's one that seems more plausible on the face of it but turns out to be just another...

Easily one of the most daunting tasks of managing your 401(k) is choosing the specific funds to invest in. How do you know which funds are best suited to meet your needs? Unfortunately none of us has the crystal ball that will provide you with all the right answers, so in the meantime here are some...

I want to share a few tips for getting the most out of your legacy planning. These simple tips can help ensure you get the most out of your assets and can prevent leaving your loved ones with a complicated mess to deal with after you're gone. Update your beneficiary designations. Making sure t...