Financial

A tremendous amount happened this past quarter at least from a geopolitical perspective. As far as the market is concerned nothing significant happened. The DOW opened July at 34,507 and opened on September 30th at 34,467. If you closed your eyes on July 1 and didn’t open them until October 1, you … [Read more...] about 2021 Third Quarter Market Update- The Markets Are Spinning Wheels

Now, more than ever, the workplace is in constant change. The level of education and direction regarding what is for most people the largest portion of their retirement, your 401k or 403b, is solely put on your shoulders. With little direction, you may only have an 800 number or website to give you … [Read more...] about Do’s and Dont’s of 401K’s

From where did you learn most of your life skills? How did you learn to brush your teeth, read, write, or drive a car? Personally, I learned these things from my parents and teachers. Here is a topic that affects just about every facet of our lives and many parents have limited knowledge of it and … [Read more...] about The Importance Of Financial Literacy and Its Importance In Our Lives

For retirees that wish to truly enjoy their retirement but still want to provide a legacy, setting priorities and finding a balance will be key. Most would agree that ensuring one's stability in retirement should be the top priority. The first step to ensuring you can enjoy retirement is to make … [Read more...] about How to Enjoy Retirement and Still Provide a Legacy

As a financial and retirement planner, I have learned that people hate paying taxes.  The truth is, the history of taxation is a complicated one full of wars, audits, jail time, and factions of society that were created in rebellion to the idea itself.  To make things worse, the “rules” laid out by … [Read more...] about Why the IRS may be the biggest benefactor of your retirement investments

Q2 Recap: Before we begin discussing inflation, let’s take a quick look at what happened to investments in Q2. Following an explosive 9 month run, small cap stocks slowed their pace of growth allowing large cap stocks to nearly close the gap for the year. Meanwhile, international markets … [Read more...] about 2021 Second Quarter Market Update – Let’s Talk About Inflation

The word “Fiduciary” gets a lot of attention in the financial services industry. But what exactly is it, and what does it really mean for investors? Generally speaking, a fiduciary is someone acting on the behalf of another, usually in some kind of legal or financial capacity. Some examples of … [Read more...] about The Fiduciary Duty Explained What It Means For Investors

For retirees that wish to truly enjoy their retirement but still want to provide a legacy, setting priorities and finding a balance will be key. Most would agree that ensuring one's stability in retirement should be the top priority. The first step to ensuring you can enjoy retirement is to make … [Read more...] about How to Enjoy Retirement and Still Provide a Legacy

If I asked you what your objective is when it comes to investing, what would your answer be? In my years as a financial advisor, I have found the answers I have gotten to this question to be far too broad to be meaningful.  Whether it is “retirement,” “saving for my children’s college education,” … [Read more...] about When it Comes to Achieving Investing Goals…Objective is Everything