What’s a Good Rate of Return?

Someone asked me this question recently while I was attending a community event. Some people ask questions like this when they find out what I do for a living. It’s always difficult to find an answer for a question like this. On the one hand, the person may be genuinely curious about how their retirement … Read more

We get this question often these days and a quick Google search of the question “will the stock market crash” provided 416 million results in ½ second. It seems to be a popular question. The short answer is “I don’t know, and no one knows.” Sorry to burst your bubble if you thought I had … Read more

3 Retirement Withdrawal Approaches

As a wise person once said, “If you think saving for retirement is hard, wait until you figure out how to take money out in retirement!” Yes, retirement withdrawal strategies are complicated and confusing for many reasons including: Tax issues Required Minimum Distribution (RMD) rules Social Security Un-known health care costs Potential for long term … Read more

7 Items You Need to be A Smart Investor

When I Googled the phrase “what is smart investing” I got back 381,000,000 results in less than a second. Wow. This seems to be a hot topic for many people. (Just for fun, I Googled “what is stupid investing” and received 17,200,000 results.) Let’s dig into this topic today. First, what is “smart investing”?  When … Read more

3 Things That May Surprise You In Retirement Planning Study

Fidelity Investments commissioned a retirement planning study in February 2021 and there were at least three surprises in the findings. The study was conducted by an independent research firm among 1,204 adult financial decision makers over age 34. Surprise #1: While 82% of respondents report the pandemic set them back in their goals for retirement … Read more

Our Four Investing Pillars

“Investing” requires a well-thought-out plan to succeed. One based on un-biased research and testing. Investing means consistently following the plan. Investing requires patience and perspective. Of course, this is the opposite of speculation. Our approach to investing for our clients has four pillars: Risk and return are related; that is, you trade return potential for … Read more

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