Winter 2015 Newsletter
The secret is to withdraw less from your nest egg than it earns, so that each year it will grow. While that sounds simple, it’s not quite so easy. It involves keeping your expenses, inflation, withdrawl rate, and investment returns in dynamic balance. Let’s take a closer look at each component of the equation.
Make Your Money Last a Lifetime │ Multiple Plans for Retirement │Pay Yourself First │Bond Investing in 2015 │ White Bean Dip with Pita Chips │ Calculating an Investment’s Basis
Fall 2014 Newsletter
When it comes to flexibility in a financial plan, it’s a delicate balancing act: it is important to maintain enough flexibility that your financial plan can accommodate unexpected events that are out of your control. On the other hand, a sound financial plan needs to be firmly grounded by factors you can control so that even in the face of unexpected events, following your financial plan gets you where you want to be.
How Much Flexibility is Too Much? │ Organizing Your Estate│ Contributing to Spousal IRAs │Making Sense of Government Deficits and Debt │ Butternut Squash Pine Nut Muffins │ Financial Thoughts
Summer 2014 Newsletter
One of the most basic investment principles is that returns reward you for the risks that you take. While investors are often uncomfortable with the concept of risk, it is this uncertainty that makes higher rates of return possible. Some basic principles related to risk and return include:
Finding a Balance Between Risk and Return │ Adjusting your Retirement Portfolio │ 5 Estate-Planning Tips for Dependents │ How Much Life Insurance Do You Need? │ Fried Green Tomatoes │ Take Action to Gain Financial Security
Spring 2014 Newsletter
When it comes to their kids’ financial independence, many parents don’t give it much thought. Following are six steps to get you started.
Giving Your Kids a Head Start with Financial Planning │ Starting is the Most Difficult Part │ Teaching Children to Use Credit Cards │ The Facts about Rising College Costs │ Pistachio Kale Leaf Chips │ Are Your Debts Growing Too Fast?
Winter 2014 Newsletter
In a February 2013 survey of 1,000 employed and retired Americans aged 50-70 with $100,000 or more in investable assets, 90% of respondents said they had experienced a ‘retirement derailer,’ a specific circumstance that seriously impacted their retirement plans or reduced their retirement savings.
Retirement Derailers │ Your Stock Allocation │ How the Fed Impacts the Market │ Dorito Salmon Patties │ Keep Your Retirement Plans
Fall 2013 Newsletter
As year-end rapidly approaches, it’s a good time to take a look at your tax situation. You still have time to take action that could reduce your income tax liability for 2013. Following are some tips to consider:
Consider These Tax Strategies │ Planning Year-Round │ Is Your 401(k) Plan Enough? │ Building and Managing Your Rainy Day Fund │ Super Sloppy Joes │ Encourage Your Children to do Estate Planning
Summer 2013 Newsletter
Trying to determine if your finances are in shape? Answer the following questions honestly to determine places where you may need to shore up your finances.
Powerful Questions to Ask │ Setting Financial Goals │ Stretching Your Salary │ Save or Pay Down Debt? │ Pollo Nueva Havana │ What’s Your Debt-to-Income Ratio?
Spring 2013 Newsletter
A road map for your financial future is about more than retirement. Done properly, it’s a blueprint for using all of your financial resources and earning power to meet your financial needs, now and in the future, in the most efficient way possible.
A Road Map for your Financial Future │ Calculating an Investment’s Basis │ Dreams and Goals: What are the Difference? │ Make Pension Decisions Carefully │ Anything in the Fridge Banana Bread │ Financial Thoughts
Winter 2013 Newsletter
With the US stock markets fluctuating and the near-term outlook for the global economy shaky, it may be time for investors to start playing defense.
Defensive Investing │ What Mortgage Term Should You Select? │ The Case for Dividend-Paying Stocks │Paying Off Debt Isn’t Saving │Sweet Potato Polenta │Financial Thoughts