Plan in order to achieve the future you desire.

Discovery Starts Your Planning

Financial planning intimidates people. In its early stages, they don’t know what to expect, what to answer and what they’ll have to divulge to create a realistic plan. In this article on the planning process, let me remove the fear and talk about how we begin work with our clients. Discussing personal finances challenges most of […]

Read full story Comments { 0 }
Investors should seek simplicity in their investments and life as per Confucius

Simplicity and Sophistication (for 2014)

This guest post was written by Jim Parker with our partner – Dimensional Fund Advisors (DFA).  He discusses how investors often try to complicate their lives and the harm it causes.  Let’s work in 2014 to avoid this unnecessary stress. The Chinese philosopher Confucius once  said that life is very simple, but we insist on making […]

Read full story Comments { 0 }

Many Happy Returns!

This guest post is from a frequent contributor to our blog.  Jim Parker works for our partner Dimensional Fund Advisors (DFA) in Australia.   He discusses financial topics that are as relevant to investors here in the US as they are to investors in Australia.  He discusses the “predictions” made a year ago and how […]

Read full story Comments { 0 }
Mobile Lineage

How do you fill your “White Space”?

In the age of computers, tablets and smart phones, we have access to information instantaneously.  And with this access, the information overload can be addicting.  This is quite evident when you are out to dinner and the table next to you is filled with devices keeping everyone occupied. A typical American family can be – […]

Read full story Comments { 0 }
Timber is an example of an alternative investment. Too illiquid for personal investors and not necessary.

Why to Skip Alternatives

It is smart to keep your investment eggs in as many baskets as possible. But you don’t need to look for anything exotic like alternative investments to diversify your portfolio. An alternative investment is any product other than standard vehicles such as stocks, bonds, cash or real estate. Common examples: precious metals like gold or […]

Read full story Comments { 0 }
Countess Maria Zichy, painter, 1893-1962, standing beside portrait of Benjamin Franklin

Enjoy the Benefits of Financial Planning: Live Younger Next Year

You need to plan for a 3+ decade retirement.  This generally comes as a surprise to most people the first time they hear it, but modern medicine continues to extend people’s lives well beyond what their parents experienced.   As a reminder, the average non-smoking man and woman retiring at the U.S. average retirement age of […]

Read full story Comments { 0 }
Stay at home mom have retirement saving options such as a spousal IRA. Mom do not neglect saving for your retirement.

Retirement Planning for the Stay-at-Home Mom

With the hustle and bustle of raising a family, many stay at home moms overlook their own retirement planning.  Many women run the household finances and the needs of the entire family, but it is also important to think about the future and plan for the retirement that they envision. There are so many benefits […]

Read full story Comments { 0 }
One of the great companies that investors can buy in the stock market

The Greatest Creators of Wealth

This guest post was written by Alex Potts, the President & CEO of our partner, Loring Ward.   The full title of his article is “Why Global Stock Markets May Be the Greatest Creators of Wealth We Have Ever Known.”  He addresses a common theme written about in this blog – the tremendous value of […]

Read full story Comments { 0 }
Gifting to children and grandchildren using a Roth account or 529 plan for college

Best Ways to Financially Give to Children

Tis the season for giving, and who else is on your mind then your children and grandchildren (or nieces and nephews).  As a reminder, each person can gift to another person $14,000 in 2013 without tax consequences.  So a couple can gift $28,000 in total to each child.  There’s no one-size-fits-all answer: The right choice […]

Read full story Comments { 0 }
IRS requires IRA withdrawals called RMD's - required minimum distributions

Required Withdrawals for Seniors (RMD’s)

Millions of Americans take advantage of the tax-deferred vehicles offered by the tax code in order to save wisely for their future.  These plans include 401(k) and 403B plans and individual retirement accounts or IRA’s.   Individuals can save pretax into these tax-deferred retirement savings accounts and the money can grow tax-free.  However most realize that […]

Read full story Comments { 0 }