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What is Your Long-Term Care Plan?
(General/Articles)
... fast and many people have not had a discussion with their family about what their long-term care plan is. A long-term care plan, in my mind, is about your health care, not just insurance. Health ...
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Increase Your Social Security Income
(General/Articles)
... worked with a couple where we determined that the husband was going to wait until age 70 to take Social Security since between age 66 and 70, his benefits will increase approximately 8% for each year he ...
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Estate Tax Trouble in 2010
(General/Articles)
... between spouses to maximize the utilization of the 2010 cost basis step-up Determine if documents maximize current year planning opportunities but retain the flexibility to account for retroactive estate ...
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Health Care Reform Provisions Affecting Older Adults
(General/Articles)
... 2010 (H.R. 4872) if passed by the Senate. Insurance Reform Starting in 2014, insurance companies cannot deny coverage to anyone with preexisting conditions. Long-Term Care H.R. 3590 includes ...
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Take Control of College Costs
(General/Articles)
... not qualify for financial aid the FAFSA is often needed to determine eligibility for unsubsidized federal loans, institutional work-study and appeals of aid awards (even if aid is initially denied). It ...
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What's Ahead?...Spring and Echo Boomers
(General/Articles)
... a longer-term forecast. Short-term, the preponderance of fundamentals favors buying and investing. Historically low interest rates and discounted prices have converged to push the housing affordability ...
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Is Buy-and-Hold Dead in 2010?
(General/Articles)
... higher trading costs and lower returns. Buy-and-hold reflects a strategy that establishes ground rules around when you need your money. Assets required for shorter-term spending should be in cash and ...
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When Spending is Really Saving
(General/Articles)
... things require a little more cash up front so that you spend less in the longer term. Thus, my wife and I have decided to spend more now by paying more against our mortgage so that we can free up cash ...
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About
(General/About)
... this mission by constructing financial plans that advance clients' life goals. At the same time, we foster a long-term financial advisory relationship to stay attuned to clients' changing goals. More ...
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Important Disclaimer
(General/main)
... (referred to as “you”) who agree to the terms and conditions in this Agreement. If you agree with the terms and conditions of this Agreement, select “I Agree” below to acknowledge your consent and intention ...
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Our Process
(General/About)
We offer an initial consultation at no charge. We use this meeting to define clients’ goals and objectives, to analyze their current financial situation, and to determine if our styles would be a good ...
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How are you compensated?
(General/FAQ)
... Instead, we primarily offer products in term life insurance, disability insurance and long-term-care insurance. Outside of insurance services we do not take commissions. ...
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Why BGM Wealth
(General/About)
... data to produce various models that may help clients achieve objectives. we establish a target allocation for each asset class. we determine an expected rate of return and standard deviation for ...
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Meet The Team
(General/About)
... a partner in June 1999. Today Jon is President of the Wealth Management firm handling day to day operations, coordination of all client issues, and long-term strategy. As the Investment Manager he is ...
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Fixed Income Investing
(General/Services)
... income. For clients with short-term goals, fixed income can be used to protect the principal earmarked for more immediate goals. In the fixed income portion of a portfolio allocation, we use short- ...
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Financial Planning
(General/Services)
... and how they relate to stated objectives. We then determine if any objectives, assumptions, or goals need to be changed. In the third meeting, and subsequent ones if necessary, we present our final ...
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The New Normal Economic Discussions
(General/Articles)
... the average brand name, versus the no-name brand, and finally against a used item (I am not suggesting drinking other peoples' half-empty water bottles). Once you can determine the costs of items you ...
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The Family Fallout From This Economy
(General/Articles)
... argue that my generation and the following generation should not rely on their parents as much as they do but instead work a little harder at saving for the long-term. Yet it is becoming more apparent ...
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2009 Market Takeaways
(General/Articles)
... because I made it once, I do not have the hubris to think I can do it again. Luck plays into investing sometimes and that is great; just do not mistake luck for genius because changing long-term investment ...
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Patterns, Patterns Everywhere
(General/Articles)
... In the movie, there is a run on the bank due to a short-term fear. But by the end of the movie, George Bailey (Jimmy Stewart) helps everyone see that deposits in a bank are reinvested in the community ...