Benefits Guide!

Posted on Posted in Personal Financial Planning

Disclosures: This bulletin expresses the views of the author as the date indicated and such views are subject to change without notice. It is important to understand investing in general involves risk of loss that you should be prepared to bear. Please refer to our Firm’s Form ADV Part 2 Disclosure Brochure for more information regarding the risks of the investments held in your account. Our calculated perceived value is an opinion based on the information we have at the time of our forecast.  The risk assumed is that the market will fail to reach expectations of perceived value. Our opinions, forecasts […]

How to: Cover and Move (Financially!)

Posted on Posted in Personal Financial Planning

Cover and move is critical to a well-maneuvered military operation. Cover and move means teamwork. One member of the team lays down cover fire. This cover fire puts the enemy on the defensive, allowing the other person to move. Next, the roles are reversed: the person who moved lays down cover fire while the other teammate moves towards the objective. Fortunately, this lesson applies beyond the battlefield. Every financial decision is a conflict. Take an aggressive stance and apply this law of combat to your everyday finances! Below is a graphic on how to cover and move at every stage […]

Know Where Your Money Goes

Posted on Posted in Personal Financial Planning

Creating a budget is fundamental to have and maintain a stable financial foundation. Knowing where your money goes helps you see your sources of income less expenses. This awareness is critical to understanding the next steps you can feasibly take to build and grow wealth. Below are high level budgets that illustrate a person’s working timeline relative to his expenses:

Not All Financial Advisers Are Created Equal

Posted on Posted in Personal Financial Planning

I created this infographic to illustrate what I have learned about the retail financial advice industry. Let it be known – I did not start with the ideal practice. My career as an adviser began while I was at a large broker dealer. The broker dealer model inherently has conflicts of interest. For example, there is pressure from management to produce revenue and show certain products to clients, generally ones with higher fees (an annuity may pay the adviser 6%, a structured product 3% and a wrap account 1.5-2%). These conflicts of interest pushed me to open my own registered […]

$3.50 = $131,000

Posted on Posted in Personal Financial Planning

Disclosures: This bulletin expresses the views of the author as the date indicated and such views are subject to change without notice. It is important to understand investing in general involves risk of loss that you should be prepared to bear. Please refer to our Firm’s Form ADV Part 2 Disclosure Brochure for more information regarding the risks of the investments held in your account. Our calculated perceived value is an opinion based on the information we have at the time of our forecast. The risk assumed is that the market will fail to reach expectations of perceived value. Our opinions, […]

Can You Beat the Market?

Posted on Posted in Market Commentary, Personal Financial Planning

Economist Justin Wolfers, who has a PhD from Harvard, published an article in the New York Times on September 30th called “Debate Night Message: The Markets are Afraid of Donald Trump”. I quote the article’s first two sentences: Political leaning aside, let’s breakdown this argument. The article proceeds to tell us that “decoding markets is no easy task”, the process used “close analysis of financial markets during Monday’s debate” and cited specific examples of what Trump said versus how the market on a whole reacted to it. Wolfers also cited his conjoined research with two other well-respected economists at venerated […]