Blog

Long-term investing requires patience, diligence, and an understanding of financial markets. For many, a helping hand in the form of an experienced financial advisor is valuable. Any competent advisor understands the importance of diversification to long-term success. Those who do not are speculators, not worth the fees and commissions they collect from clients and customers. […]

Comprehensive Financial Planning is an exercise in problem-solving. At the basic level, the retirement problem/goal we all face is to create a lifetime income sufficient to outlast a minimum 30-year post-retirement life. Thanks to advances in health, safety, and nutrition, coupled with reduced lifetime physical challenges (resulting from working in the information age), significant numbers […]

Baby Boomers were born following our decisive victory in World War II, which produced record family formation. Wealth creation among Boomers escalated as the American economy morphed from wartime production to satisfying consumer wants and needs. Economically, the USA became a peacetime powerhouse. Boomers now control about $84 Trillion (12 zeroes) of assets, which will […]

Young people have long been stressed about their finances. Recent inflation and higher interest rates have joined forces to render the American Dream of home ownership nearly impossible for all but the highest earners. Throughout 2023, only 4% of home buyers were under the age of 24. Interestingly, that is the same percentage of buyers […]

Imagine, if you can, becoming not just financially comfortable but confident of a fully funded 30-year retirement. Does that require a degree or two from a prestigious university? In truth, it never has, but our current national economy seems to signal a more emphatic “NO!” Thanks partly to a few influential people, including Mike Rowe […]

Interest rates, and especially mortgage rates, reflect the economy, as well as consumers’ collective optimism or pessimism. Baby Boomers’ parents lived in post-WWII prosperity when mortgage rates were around 5% – 6%. As Baby Boomers grew into adulthood, we wanted our parents’ mortgage rates, but instead, rates skyrocketed, due to poor economic and foreign policies. […]

Two months of our Blog posts have targeted young people, who (through no fault of their own) are unprepared to face the realities of their own personal financial lives. Over time, a dearth of education leads to a society where nearly half the population ages 55 through 66 have no retirement savings. Worse, perhaps, is […]

A palpable sigh of relief can be heard throughout the land, as Tax Filing Day is again in the rearview mirror. However, an escalating cost of living remains in our faces, as we visit gas stations and grocery stores for life’s necessities, only to return home, and pay our increasing monthly bills. Whatever inflation’s cause, […]

As this Blog gets posted on our website, Tax Filing Day 2024 is behind us. That is not a good reason to put taxes out of your mind for another 11+ months. Instead, since memories are fresh, we will continue our exploration of the process by which we pay our mandated share of income to […]