I recently started on a 21-day fitness/diet plan to tone up after COVID. In general, people seemed to react in one of two ways to the pandemic. One group used this time to diet and exercise and get into shape. The other...
Depending on your view of risk, margin can either be the greatest tool in the world or something to be avoided at all costs. To understand margin better, let’s begin with the basics. In finance, buying on margin is borrowing from the brokerage firm...
A sudden change in wealth can be a good thing. We all fantasize about winning the lottery, inheriting wealth from a long-lost relative, settling a lawsuit, or striking it rich with a start-up company. However, as we know from tragic stories in the news, many...
We often develop relationships with professionals who are like us. They may live in our town, go to our church or country club, and have children of the same age. It follows then that when the time comes that you are entering retirement,...
We created this guide for both new and existing clients. It explains each section of our quarterly reports, defines commonly misunderstood terms, and highlights the sections we believe best illustrate your investment performance. We have created a sample report with hypothetical accounts and securities that...
Who gets your financial assets when you die? When you open a retirement account (such as a 401(k) or IRA), purchase life insurance or annuities, or sign up for a Health Savings Account, you are asked to name a beneficiary to receive the proceeds...
Over the years we have written about the increasing threat of identity theft. Malware, phishing, and social engineering are just some of the ways that individuals are targeted and identities stolen. Criminals are nothing if not creative. During this pandemic they have...
In the changing and complex retirement landscape, the more common retirement vehicles are well known – IRA’s, 401(k), and 403(b) plans. However, there are lesser-known retirement vehicles that have some interesting features. If you work for a tax-exempt organization or are employed by...
By signing the 1.9 trillion-dollar economic stimulus bill on March 11, 2021, President Biden signaled the government’s willingness to provide unprecedented relief to families and workers impacted by the COVID-19 crisis. In addition to the expanded economic impact payments of $1400 per individual and...
History repeats itself. Who would think that 100 years after the Spanish Flu (1918-1920) we would be faced with a pandemic that virtually shut down our country and large parts of the world? In addition to the terrible human toll that the coronavirus...