Archive | Retirement Accounts

Be Careful What You Believe; The Prison of Two Ideas

I recently came across a provocative article written by Greg Gutfeld titled “The Prison of Two Ideas”. While the article is mostly about political beliefs, the main theme carries over to the world of investing and personal finance as well. As Gutfeld explains, in modern parlance, you are either for or against “X”. Many have […]

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Risk and Return are inseparable; Diversification is essential

One of the most damaging myths that Wall Street brokers spread is that somehow, someway, you can obtain high returns with low risk. This is objectively untrue. Different investments have different expected returns, largely based on the type of investment, (stocks versus bonds), and other recognized dimensions of risk. While risk is a necessary part […]

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The Two Questions Everyone Needs To Answer

Will you make it financially? Do you know your financial blindspots? These two questions form the backbone of our holistic approach to personal financial planning. These questions also are the common bond that all of our clients share. If your financial life is arranged so that you can maintain your current lifestyle for the balance […]

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Want the Antidote to Market Worry?

I read an interesting comment Coach Frank Martin made to his U.S.C. basketball team after losing a couple games towards the end of the regular season. He told them, “adversity is part of the deal”. Indeed, that is so in every aspect of life. If the stock market goes down a few days in a […]

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Why Rebalance?

Over the past few weeks, we have reviewed several components of our financial planning process and how these can create value for you. Today, we want to discuss rebalancing your portfolio as a critical technique for keeping your investments in sync. The basic purpose of rebalancing is to maintain the overall target asset allocation level […]

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What Really Improves Your Investing Odds?

For the past few weeks, we have been reviewing the components that go into the way we bring value to our client relationships. This week, the role of Portfolio Management takes center stage. Your specific goals create the frame for how we approach managing individual portfolios. While goals are the driving force, decades of academic […]

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You Probably Don’t Need Advice

Urgency and Advice A large percentage of the individuals who contact us say they need “advice”. What this usually means is that they want a resolution to an urgent problem. The situation is urgent because often it has been ignored and the opportunity for a “painless” remedy has long since passed. They now are faced […]

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The Ring Of Temptation

The financial services system is really just a giant marketing machine, pushing expensive packaged investment products onto unsuspecting investors. Even experienced and savvy investors have trouble unraveling the byzantine structure of fees, commissions and other charges associated with these investments. Thats where we are different…

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Two Buckets are Better than One

Why Two Buckets are Better than One

An important financial planning tool that we strongly recommend is having both tax-deferred and taxable investment portfolios. Very often, when we meet with new clients, they have all or almost all of their retirement savings in tax-deferred accounts. Since the tax code encourages this, it is not unexpected. Ultimately, however, this presents a planning problem […]

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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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