Archive | Retirement


Slaying the Retirement Dragon

Reaching retirement and maintaining your lifestyle in retirement is the functional equal of St. George slaying the mythical dragon. We recently completed work on an E-book titled “9 steps to Slaying the Retirement Dragon”. Since the founding of our firm in 1982, individuals planning for retirement have been prevalent. This E-book provides a systematic overview […]

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Great slogan for beer; not investing

Tastes Great, Less Filling

I have always marveled at the cleverness of the long running Miller Lite advertising slogan: “Tastes Great, Less Filling”. Advertising Age magazine lists this slogan among the top 10 of all time… not bad! There is a direct corollary between this slogan and investment decisions. Many investors want their investments to “taste great”, to provide […]

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Field of Dreams

Assets and Aspirations

Our brokerage account custodian, T.D. Ameritrade, has an excellent slogan for their advisor industry advertisements: “You manage more than assets, you manage aspirations”. That aligns well with our philosophy. We have always resisted being called “investment managers”, because investments are but a tool to accomplish goals or aspirations. Everyone has distinct and unique goals.   […]

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Are You a Conservative Investor?

Sometimes clients come in and say that they want a “conservative” investment portfolio. In most cases, they are inferring that “conservative” denotes a higher percentage of fixed income/bond investments. Let’s walk through the reasons for investing in the first instance and see if that changes your perspective.   Why We Invest For most of the […]

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Too Many Choices

Over Thinking and Under Doing

It’s easy to over analyze financial decisions. One of the byproducts of over thinking is under doing. Since you have to do something in order to achieve something, trying to make perfect choices can have a detrimental impact on your long-term financial well-being. “Analysis Paralysis” is real.       More is Less Having choices […]

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Should I use my home as an Investment?

Avoiding Mistakes with Your Largest Assets – Part 2

In Part 1 we dealt with retirement plan accounts and how to steer clear of trouble. For many, other than retirement accounts (and human capital), their primary residence may be considered their next largest asset. The problem is, a house is not necessarily an investment asset that can be readily converted to cash for future […]

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Avoiding Mistakes with Your Largest Assets – Part 1

For many individuals, their house and retirement plan represent their largest assets (aside from human capital, the ability to produce income). Financial mistakes, particularly mistakes later in your working life, can have long lasting impacts on lifestyle choices. The philosophy and approach towards managing these assets can make all the difference. In this article, we […]

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Look Forward

Cure the Disease or Treat the Symptoms? – Part 2

In Part 1, we discussed the ingredients needed to “cure the disease” – the malady of not having enough financial resources to maintain your lifestyle (including living cost increases) – throughout retirement. With time, savings and discipline it is often possible to get back on track. Sometimes, however, there isn’t enough time and the gap […]

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