In a stark contrast to the investment returns of 2018, 2019 flew out of the gate and never looked back. In 2019, it was difficult to find an asset class that did not perform well. Baron Rothschild once said, “Buy when there's blood in the streets, even if the blood is your own.” There was blood in the streets heading into 2019. Global…
Read MoreLike any service, advisors can be considered expensive or cheap depending on the value they provide. Paying $3,000 for generic financial advice from a salesperson that manages 300 clients is a waste of money. Having said that, a top Certified Financial Planner that manages no more than 70 clients who charges $6,000 might end up saving…
Read MoreGetting nervous about paying for your kid’s college?
On Tuesday night, October 22nd, Jeff hosted a webcast talking about all the important items in preparing for the cost of sending your kids on to higher education.
Concerned about the FAFSA? Jeff gives you the details of what to expect and how your EFC (Expected Family…
Read MoreFor years, I have unsuccessfully attempted to explain to clients the difference between a fiduciary and a typical advisor. A fiduciary must always act in your best interest and is legally bound to do so. On June 5, the Securities and Exchange Commission passed a set of regulations to improve the transparency behind what advisors are…
Read MoreWe often ask our clients, “What keeps you up at night?” I often wonder if our clients are curious what keeps us up at night? I would suspect they would think it is a recession, political risk, or some variation of those two. Last night, I…
Read MoreIs permanent life insurance (also known as whole life insurance) the protection you need? Many of us have heard the sales pitch, “You’re young, if you buy life insurance now it is cheap. If you wait, it is expensive. You can take…
Read MoreToday, we are facing a retirement savings pandemic - a “Randemic.” But why? You work, you save, you retire. Simple….right? Well - not exactly. To save for our retirement, we have to fight the urge to spend our money as we earn it, and defer the enjoyment of our hard-earned money in hopes that our
Read MoreFall is in the air…seriously, it is. Somewhere out there is the weather we’re all looking forward to. You know what I’m talking about – fall weather! As in, the type of weather that isn’t 90+ degrees every day.
Read MoreThe Department of Labor (DOL) fiduciary rule, also known as the conflict of interest rule, was vacated on June 21, 2018, effectively killing it. Michael Kitces called this, “A dark day for consumers and real financial
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