Thank You

Anyone with a family to protect understands the critical role life insurance plays in their financial plan However, in figuring out how to purchase the right amount of life insurance, many people tend to adhere to simplistic rules-of-thumb, such as a “multiple of...

You think back fondly on those collegiate days--studying in the quad, late-night pizza, tailgating for the big tailgating game, dorm living, tossing your graduation cap in the air...beyond the lifelong friends and the fun, college helped you get to where you are...

As the saying goes, two things are inevitable: death and taxes, and, out of those two sure things, you can only really plan for your taxes. It should be no surprise when tax season surely and steadily rolls around again, yet every year there are plenty of individuals...

CEOs do it; athletes do it; in fact, anyone who needs to be able to achieve a certain level of performance in order to achieve a specific goal constantly assesses where they are in relation to where they want to be. This is to ensure that available resources are being...

For as long as there have been stock markets, investors have intuitively known that expectations of returns come with commensurate expectations of risk. The higher return one expects, the greater the risk one assumes in order to achieve it. But, it wasn’t until the...

Most people think estate planning is only for wealthy people. Certainly, the 55% of Americans who died without a will thought so, even though all of their estates ended up in probate court subject to the laws of the state. Sadly, the surviving families were thrust...

Life insurance and annuities have always been considered to be among the safest of all financial instruments. Even as banks were being shuttered during the Great Depression resulting in people losing their life’s savings, life insurers emerged as the bed rock of...

Most people of conscience, especially those who have done well for themselves, want to use their resources to do some good in the world. The problem is, with many of individuals, their charitable giving tends to be somewhat haphazard, often centered on tax...

Many investors have heard the term “asset allocation” at one time or another. From the first time we sign up for a 401k plan at the office all the way through the conversations we have with financial planners in retirement, we are bombarded with messages about the...

What are your portfolio performance expectations? In the story of Alice in Wonderland, Alice arrives at a fork in the road and wonders aloud which road to take. A smiling Cheshire Cat appears and asks her what her destination is, to which she replies, “I don’t know.”...

Are investors their own worst enemy? Sometimes, this is the case. Nearly all of the mistakes made by investors can be attributed to their behavior which is typically dictated by their emotions. Fear and greed have a way of driving even the most rational people to make...

Financial decisions are made easy with clearly-defined goals. One of the best illustrated instances of indecision occurs in the story of Alice in Wonderland in which Alice comes to a fork in the road and must choose a path to continue her journey. She seeks the advice...

Many would suggest that, in a digitally wired world in which information travels at light speed to all corners, the investment playing field has been leveled between individual investors and institutions. In reality, however, the incessant noise and information...

In the realm of financial planning, time is our most valuable asset. Understanding the money value of time is essential to achieving your financial goals. Time is available to all of us, providing each individual with the same opportunity to optimize its value in...

One of the biggest decisions many clients face is what to do with their 401k plan when they leave their employer. There is no clear cut answer as to whether you should roll over your 401k plan to an self-directed IRA (which will be later called a “rollover IRA”),...

Investors are prone to many behavioral mistakes that can cost them dearly. Trying to time the market, trying to pick the winners, chasing returns, trying to go it alone are among the most common. But the one that can inflict the most damage over a period of time is...

Do You Have a Debt Wish? What Happens to Your Debt after Death. Many people deal with credit card debt all of their lives with most of them giving little or no thought to what happens with their debt after they die. The fact that nearly 60% die without a will is a...