Blog Posts

  • When To Take Social Security

    May 1, 2008
    In my line of work I occasionally have to think counter-intuitively since sometimes the quick answer is not always the right answer. Listening to conversations at cocktail parties would tell me that the quick answer with social security is to take it at 62 versus waiting until full retirement ...
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  • Your Brain or Your Heart

    April 1, 2008
    As the market fluctuates daily and the media keeps telling us to be interested in those daily moves, what are you doing about it? The inclination for many is to do something, anything, just to make it feel like there is control in this short-term uncertainty. But when ...
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  • Tax Control In Retirement

    March 1, 2008
    Sometimes I am asked what changes I would make for people if I could have met them years before they retire. I do not want to use the words, “fixing mistakes,” because it is never a mistake to retire with money saved. I will say, however, that the ...
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  • The 4% Solution

    February 1, 2008
    In the five years leading up to retirement, what I noted in January’s newsletter as the red zone, most people start thinking about where they might get their retirement income. Whether from a pension, social security, 401(k) or the sale of a business, many start gearing up for the ...
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  • The 2008 Red Zone

    January 1, 2008
    If you are within five years of retiring or in your first five years of retirement, 2008 is the year to start addressing your red zone issues. Much like a football team trying to score in the red zone, you have many plays that need to be run now ...
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  • Emotional Competency in Volatile Markets

    December 1, 2007
    Ask 10 people if the S&P 500 is up or down for 2007 and I would bet 70% would say it is down. That answer is wrong, since the S&P 500 is up a little more than 4% through November 30. Many people react to the daily movement in the ...
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  • Are You There Yet?

    November 2, 2007
    Like a long drive through the country to grandmas on a fall day, we should all be asking ourselves, “Are we there yet?” When clients walk in the door, they typically are thinking about major milestones in their life like retirement, or college for their children. Yet there are many ...
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