Archive | Investing

Financial Bodyguard

Who is Your “Financial Bodyguard”?

One of the most important roles that we fulfill is that of stewardship. Webster’s defines stewardship as “careful and responsible management of something entrusted to one’s care”. Many years ago, one of our clients referred to us as his “financial bodyguard”. While the words may differ, the meaning is roughly the same.  Financial planning is […]

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Try these on.

Are Your Perceptions (about Investing) Harming You Financially?

Our perceptions directly impact how we make decisions. When it comes to investments and other elements of financial life, however, these perceptions can actually harm our ability to accomplish goals. We perceive that the stock market is risky and fixed income is safe; We perceive that real estate only goes up in price; We perceive […]

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Buckets

Buckets are Better

For all the gyrations over complicated financial strategies and products, one of the best methods to accomplish goals is through the use of “buckets”. That is, organizing savings into tax-deferred (retirement plan accounts) and taxable (dollars invested after taxes) accounts in order to increase long-term flexibility. Sometimes this may mean opting to “personalize“ rather than […]

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Town Crier

It’s Not News

“Life is actually far better than it is in the movies. And it takes longer.”  – Seth Godin (Author)   Recently, I was getting dressed and glanced at the “headlines” scrolling across the TV screen of a major financial news network. The script said “Dow up in 14 of past 20 sessions”. The inference, since […]

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Department of Treasury

IRA’s – Today, Tomorrow, Always?

A new budget proposal from the Obama administration brings back some themes from the past; namely, taxing “excess” accumulations (or more specifically, “excess” distributions) from IRA’s and other retirement accounts. Believe it or not, this idea has been on the books previously, as part of the Tax Reform Act of 1986. It was repealed a […]

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Change is Good

Selling Change

“Change is the law of life. Those who look only to the past or present are certain to miss the future.” – John F. Kennedy   Everyone sells something. Physicians, lawyers, architects – all are selling some type of remedy, or solution to a problem. What do we sell? Some might say investment returns, others […]

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Is Gold a Reliable Investment?

Does Gold Really Shine?

The uneasy and uncertain global economic environment has spiked investor interest in gold over the past few years. Is gold worthy? Does it really shine? The past quarter was actually the worst 3 months for gold prices in a dozen years. This has, however, done little to dampen investor interest.  Many investors have created a […]

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Belief and Behavior

The 2 “B’s” – A Formula for Successful Investing

Beliefs (Philosophy) – Behavior (w/ Costs) = Returns We talk a lot these days about simplicity and clarity. The formula above is about as simple and straightforward as can be. What you believe and how you behave will ultimately determine your investment returns. That’s it – plain and simple. The hard part is connecting what […]

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