In these posts we will endeavor to provide some answers to general questions we receive that we think will be useful to you. We have a list of questions that we hope to answer in coming weeks, but we also want you to have an opportunity to ask questions that we may not have already encountered. So please submit general questions that you would like to be answered, and we will do our best!
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Shifting Times Require Modifying Methods: Chapter 3 of 3 This week we wrap up our little mini-series in our discussion of risk and its impact on how we invest. Here are the links to the two previous posts, if you want to review them: Because You Asked: How Do You Respond to Changing Times? Chapter One Because You Asked: How Do You Respond to Changing
Shifting Times Require Modifying Methods: Chapter 2 A couple of weeks ago, we wrote the first chapter of this mini-series that talked a little about risk and how we identify and use it to drive our investment decisions. If you want to review, you can read it here: Because You Asked: How Do You Respond to Changing Times? Chapter One. Now that we have talked
Shifting Times Require Modifying our Methods: Chapter One In our industry as financial planners, we have adapted to many changes over the years, though we acknowledge these are lesser changes compared to the more life-changing events we are experiencing today. The component of financial planning that focuses on investment management has experienced a number of evolutions if not outright revolutions, and true to form, we
That question has a lot of layers to it, and it would be easy to go into the weeds with analysis and explanations, but I will try to restrain myself and follow the K.I.S.S. principle. Part of the reason why this story has so many layers is that it covers quite a few years, 42 to be exact this month, and involves the intersection of
How Will Our Investments be Affected by the Election? Now just 75 days from today or on November 3, 2020, many of our citizens will cast their ballots to elect our President for the next four years. In election years such as this, especially when we are electing a President, we tend to hear a frequent question: “How will our investments be affected if _____________
That is a really good question and one that we have evaluated for several clients. While low-interest rates are a cause for some pain as an investment, e.g., a 10-year Treasury yielding a “whopping” 0.584 today, it is also true that consumer loan rates are also at historic lows. Just for context, I searched for some historic data that covered the trends in home loans,
A Checklist!! I happen to be one of those quirky personalities that love checklists for tracking information, and checking items off the list as I accomplish them. This does not appeal to everyone, but for the other list-lovers out there, I wanted to share this one with you. These are broad categories of goals, wishes, dreams that are designed to help you to think about the
An Unintended Problem with Single-Owner Bank Accounts: We have had a few widows contact us lately, who found themselves dealing with some difficult financial challenges due to some unfortunate choices that their spouses made. In particular, we learned that the deceased spouse was the only owner of individual checking accounts that held the majority of the couple’s cash assets. And even though the widows had