Click on the image below and view our 2018 Q1 Market Review, which dives into world capital market performance and reviews the returns of stock and bond asset classes within the U.S. and abroad. Lastly, you will find a short commentary titled, “Sailing with the Tides”, this commentary serves as
Two of the biggest future cost retirees will face is the rising cost of healthcare plus the cost associated with providing long term care which are not typically covered by Medicare. These two unknown cost must be addressed in a typical retirement plan. Today Americans spend approximately 3 trillion dollars
Section I: Portfolio Performance What a year! In addition to this newsletter please know that your quarterly portfolio reviews have been uploaded to your client portal as of 10-13-2017. To date almost every major asset class is positive and some asset types, like emerging markets, are up over 25% year
October 2017 Costs matter. Whether you’re buying a car or selecting an investment strategy, the costs you expect to pay are likely to be an important factor in making any major financial decision. People rely on a lot of different information about costs to help inform these decisions. When you
October 2017 It will soon be the 10-year anniversary of when, in early October 2007, the S&P 500 Index hit what was its highest point before losing more than half its value over the next year and a half during the global financial crisis. Over the coming weeks and months,
Should You Refinance Your House Now? Here is my financial tip of the month! Make sure you check mortgage rates to see if you should be REFINANCING now! Rates fell precipitously last year and then popped up. Now they are giving you another chance to lock in these low rates
Following up on my earlier comments about blocking spam calls to mobile phones, one reader says: “I use Google Fi as my cellphone and they (having way too much info on everything) are able to change the color of spam calls to red. This is great since I don’t have to answer.
Last week, Equifax, 1 of the 3 largest credit card monitoring companies, announced that hackers stole half of the US population’s Social Security numbers in what will likely end up being one of the worst data breaches in history. Below we have listed simple steps we think our clients and
The following video by one of our peers at IFA does an outstanding job of explaining how Dimensional Fund Advisors’ methodology captures more of the 3 factors that drive higher expected returns. (Click HERE to see what the 3 Factor Model is) When compared to Vanguard and other index fund
Question: My Disability policy has an automatic increase rider built into the policy. Each year we receive a premium increase of $100 for benefit increase of $320. Should we accept this increase or decline the increase? Answer: That’s a good question and as with most answers in financial planning