2019 Value of an Advisor Study
This annual report looks holistically at the real value advisors deliver for their clients, in their portfolios, in vital services advisors provide, and this year, especially in their after-tax returns. We developed a formula to calculate the full value equation of an advisor’s services.
Avoid Using a Home Equity Loan for These Five Things
If you need cash, you might be thinking about tapping into your home equity. In some cases, this can be a great alternative to a personal loan — but exercise extreme caution when putting your
Don't French Fry When You Should Pizza
Student debt recently surpassed $1.5 trillion. Yes, trillion. Clearly, the vast majority of students finance their college costs. Unfortunately, many students turn to credit cards to pay for incidental costs and
Did You Know: Roth IRAs Can Be Used as Education Savings?
With 70 percent of college students graduating with student loans, saving for college in some form has become a fact of life in the world of post-secondary school. This may look like a future student
The Best Way to Have a Stress-Free College Experience
According to a recent survey, only 1/3 of the U.S. population knows what a 529 plan is. With over the national student debt surpassing $1.5 trillion and impacting 44 million Americans, a tax-advantaged
When Is Your Advisor Too Old to Be Your Advisor?
“I just returned from the doctor, unfortunately, I have Alzheimer’s disease, cancer, and high cholesterol.” Then your advisor pauses, then looks at you and says, “Well, thank god I don’t have cancer.”
Lease or Buy? Either Way, Own Your Decision
For decades, those looking to buy a new car struggle with the decision of leasing or buying. I’m providing this synopsis, so this decision does not overwhelm you one day. Leasing is simply renting
Most People Need Longevity Insurance Rather Than an Immediate Annuity
An immediate annuity is precisely the sum of two parts. One is a deferred annuity commencing at a specified date, with no death benefit before that date. The remainder, before the deferred annuity commences, is a reverse…
Excuse Me Stock Market - May I Order Some Speculation with a Side of Complacency?
The 2018 menu of portfolio choices is one that should be read carefully. The average investor may have trouble staying focused on the menu amid hindrances due to headlines involving North Korea
Quantifying an Advisor's Alpha
The value proposition of advice is changing. The nature of what investors expect from advisors is changing. And fortunately, the resources available to advisors are evolving as well.
Goals-Based Wealth Management
Wealth management processes have not always been responsive to an individual clients’ priorities and modes of thinking. A model is presented and evaluated that uses goals-based wealth management concepts to…