The focus of most people (including advisors) has been on Rate of Return. It makes sense. It’s the fun piece to talk about when speaking into someone’s finances. It’s what the advisor enjoys and the client also...Read More
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Tactic vs Strategic Financial Planning Instant gratification. That is what we are used to these days. We want things to happen as quickly as possible. A lot of times we take that same philosophy with our finances. We look at our...Read More
Law Enforcement and Firefighters across the nation serving as federal, state and local government employees have lifetime earnings that are divided between employment that is covered by the Social Security system and employment that is...Read More
The most common reason people work with a financial advisor/planner is to plan for retirement. The most common topic of conversation is around investments. Typical questions are: What risk tolerance do you have? What investments do you...Read More
Our industry has spent years chasing rate of return. Trumpeting results and what percentage of their funds "Beat their Lipper Average". Encouraging folks to chase after the ever elusive best performing stocks, mutual funds, REITs, ETFs...Read More
Many people have heard of Umbrella Policies. The questionsis do they understand what they are and what they do? Here is the answer: An Umbrella Policy is a third party liability policy that typically goes above and beyond your auto and...Read More
The traditional model for financially advising clients is broken. This is due to so much changing over the years and the fact that we have done nothing to adapt. The pensions and guarantees that used to live inside of our work place...Read More