They say we get wiser as we get older, but let’s face it: Many new uncertainties and challenges can crop up as people get deeper into their golden years. Changes in physical health and issues with memory can mean you—or your elderly parents—might require new types of never-before-needed assistance. Read All
Two Questions To Ask Before You Purchase Life Insurance
Life insurance can be an extremely important, even essential, part of your financial plan. One of its most attractive aspects for many individuals and families is the death benefit of the policy—the money that the insurance company pays out in the event of the insured’s death. Read All
Big Data
IBM did research a few years ago proclaiming that 90% of the world’s data is being created every two years. That is an amazing statistic. More data has been created since October 2017 than all the prior years combined? More data will be created in the next two years than all prior years? Read All
Appreciate The Trade-Off Between Risk And Return
The theory is simple enough: The more risk you are willing to assume, the higher the expected potential return. The challenges, though, are selecting an asset allocation that will provide the returns you require to meet your long-term financial goals and sticking to the allocation through up and down markets. Read All
A Tale of Two Decades: Lessons for Long-Term Investors
The first decade of the 21st century, and the second one that's drawing to a close, have reinforced for investors some timeless market lessons: Returns can vary sharply from one period to another. Holding a broadly diversified portfolio can help smooth out the swings. Read All
Learn About Caring For An Elderly Parent
At some point in life, nearly everyone will require at least some help with the challenges of daily living. This guide is designed to help you become familiar with the common eldercare issues, as well as the care options available for an aging parent, spouse, or other loved one. Read All
What Does The Inverted Yield Curve Mean?
We typically keep these newsletters light on technical details, but given the abundant news on yield curves we thought diving into this would help quell fears. The yield curve graph below shows the relationship between bond yields and bond maturity. Typically, investors require higher interest rates for longer maturity bonds. Back when we all visited physical banks 😊, we walked by the posted Certificate of Deposit (CD) rates. You might remember the longer-term CDs had higher rates. This makes sense. Investors want higher rates if the bank is going to hold their money for longer period of time. Read All
Appreciate The Trade-off Between Risk And Return
The theory is simple enough: The more risk you are willing to assume, the higher the expected potential return. The challenges, though, are selecting an asset allocation that will provide the returns you require to meet your long-term financial goals and sticking to the allocation through up and down markets. Read All
The ABCs of Education Investing
With rising college costs, many parents are likely thinking about how best to prepare for their children’s future higher education expenses. Now is a good time to sharpen one’s pencil for a few important lessons before heading back into the investing classroom to tackle the issue. Read All
Proposed Tax Law Changes
Our federal government is at it again with proposed tax law changes. The House recently passed legislation that many people think has a good chance of becoming law. These changes could affect financial planning strategies. Read All