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Millennials and Money

Fidelity Investments recently completed a study on the money habits of Millennials (ages 25-35 in the study) and found some facts that make it clear this group of adults is very different from their older cohorts. For example: On average, Millennials have a higher amount saved to cover an emergency ... Read More

Stock Market Returns and Presidential Elections

Predictions about presidential elections and the stock market often focus on which party or candidate will be “better for the market” over the long run. The growth of one dollar invested in the S&P 500 Index over nine decades and 15 presidencies (from Coolidge to Obama) shows it does not ... Read More

Bogle Says Retirement Crisis Has Three Parts

John Bogle, the crusty former Chair of The Vanguard Group, recently spoke out about the retirement crisis in America. According to Bogle, there are three aspects to this crisis: Social Security insolvency Woefully underfunded corporate and government pensions Ridiculously high costs of most 401(k) plan investment options. Bogle didn’t list ... Read More

Broad-Based Financial Planning for Millennials

We introduced a new service last week titled the Financial Foundations Program. It’s a service by which early career professionals and others with simpler personal financial situations can receive broad-based financial planning and automated investing for a low fee. We’re very excited about the Program because now early career professionals ... Read More

Spending Plan vs. Budget

Often when we work with new clients, they will use the term “budget” when talking about wanting to know how much they’re spending each month. We gently tell them that we don’t believe in budgets because people rarely stay on a budget, much like a severe diet is hard to ... Read More

You Can Change Your Money Mindset

I am re-reading a great book by Carol Dweck with the title “Mindset: The New Psychology of Success.” In it, the author suggest that there are basically two mindsets we all carry: either growth or fixed. Here is what the author says: “The view you adopt for yourself profoundly affects ... Read More

Summer Financial Fitness

We’re about half way through the Summer and it’s a good time to remind you that your financial fitness should not slack off just because the rhythm of life is different. Too often we see people fall of their financial fitness regime because of vacations. It’s easy to spend more, ... Read More