Recent Articles

You Need A Retirement Planner, Not A Salesman

You Need A Retirement Planner, Not A Salesman

| May 12, 2013

A lot of people in our industry sell stuff, but they may not really do any financial planning.  By contrast, I strive first to understand my clients as people and their unique needs and dreams, and then I analyze the numbers and do an inventory of their finances to see if I can help them […]

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Sailing vs. Rowing: Why “Buy And Hold” Is A Bad Idea

Sailing vs. Rowing: Why “Buy And Hold” Is A Bad Idea

| May 12, 2013 | Reply

Your sailboat is skimming across the water. The skies are blue, the seas calm, the wind is blowing at your back. You raise the sails high and wide and lean back with the beverage of your choice, perhaps a margarita. Times are good. Suddenly, dark clouds rush toward you from the horizon. The water turns […]

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Playing In The Wrong Sandbox

Playing In The Wrong Sandbox

| May 12, 2013

“Why should I pay you to manage my money,” a prospective client asked me, “when I can just buy my own investments and they’re managed for free?” “Why do you think, you’re not paying anything?” I asked him. “Do you think these investment companies are doing this for you for nothing?” It’s not that his […]

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Stock Bonds And Cash: Horse And Buggy Thinking?

Stock Bonds And Cash: Horse And Buggy Thinking?

| May 12, 2013

Some advisors still put everything in a lump sum for systematic withdrawals. They may craft a portfolio that seems beautiful in its asset allocation, however the income may derive from withdrawing a percentage of the portfolio which may put the entire portfolio at risk. Let’s say it’s in a 60-40 mix of stocks and bonds […]

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Is Your Universal Life Insurance Underfunded?

Is Your Universal Life Insurance Underfunded?

| May 12, 2013

Attention! If your cash-value universal life insurance is not set up properly it may lapse if you cease payments and/or have insufficient cash to cover the cost of insurance. How’s could that happen? Let me explain. A common type of permanent insurance is Universal Life (also called UL). The main selling points for this kind […]

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What REAL Financial Planning Looks Like

What REAL Financial Planning Looks Like

| April 14, 2013 | Reply

Imagine that you have a 200-piece jigsaw puzzle scattered in front of you. Where would you start? When I ask people that, most say they would start at the corners where they figure it’s easier to piece together all those interlocking shapes.  Likewise, many people just dump their box of investments on an advisor’s table […]

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Consumer Disappointment

Consumer Disappointment

| April 2, 2013

I walked into my local bank in September, 2012 to deposit some checks and I couldn’t help but notice the CD rates there on the side of the room……0.85% for 5 years! Deposits in FDIC-insured banks climbed $139 billion in the first half of 2012 to an all-time high of $10.3 trillion, according to Market […]

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