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 }
santa sleigh flying in the sky with a full moon

Merry Christmas and Happy Holidays!

‘Twas the night before Christmas in the Crimmins’ house Not a creature was stirring, not even a mouse; The stockings were hung by the chimney with care, In hopes that St. Nicholas would  soon be there; The girls were all hanging out in their beds, With iPods loudly playing music in their heads. And all of […]

Read full story Comments { 0 }

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 }
1st day of school - life cycles of children leaving the home

Reflections of Time Passed

Today is my last first day of school and like many endings, this one is a bit hard to swallow.  For the past 21 years, the first day of school has brought great joy for me as my girls headed off filled with excitement and trepidation.  The ritual of taking pictures with their fingers holding […]

Read full story Comments { 0 }
Happy Thanksgiving

Happy Thanksgiving 2013!

What are you thankful for? Thanksgiving is one holiday that is difficult to dislike.  You do not need to stress over whether or not your loved ones will be happy with the gifts you picked out.  The biggest stress factor is whether or not the turkey will turn out perfectly.  And it usually does.  It […]

Read full story Comments { 0 }
collective knowledge of stock market participants are similar to everyone guessing how many jelly beans are in the jar.

How are stock prices determined?

This is a video post created by our partner Dimensional Fund Advisors (DFA) .  As a NJ DFA advisor, we are strong believers in the DFA investment philosophy and wrote about the reasons in this post:   In this 2-1/2 minute video, DFA explains how security prices are set—and change—based on the collective knowledge of buyers […]

Read full story Comments { 0 }