Blog Posts

  • risk-tolerance

    Active Risk Opportunities (No Pain, No Gain)

    August 26, 2015
    Key Takeaway! Market drops bring opportunities that we must actively pursue. It is in market drops that we can make money in the long run; and the tax-loss opportunity in the short run is icing on the cake. Bad days make the good days that much better. That is something my ...
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  • investment-performance-report

    The Performance Report’s Role in Your Retirement

    August 21, 2015
    Key Takeaway! Your brokerage statement, on its own, will not tell you much about whether you are meeting your goals. You need to look under the hood at an actual performance report, paired with a retirement projection, to understand your road to retirement. Measurement can be tricky if you don’t know ...
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  • mobile-society

    Your Mortgage: To Prepay or Not to Prepay—Part 2

    August 11, 2015
    Key Takeaway! You should not prepay your mortgage because once you do, you have taken money that you might need in an emergency and locked it into your home, which makes it hard to access the funds should you need them. I come from a family that pays down mortgages quickly—for ...
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  • mortgage-freedom

    Your Mortgage: To Prepay or Not to Prepay—Part 1

    August 5, 2015
    Key Takeaway! Prepaying your mortgage can mean financial freedom—freedom from stress and freedom to choose new opportunities. With the reduced expenses that come with paying off a mortgage early, you’ll worry less if there’s an economic downturn that results in a layoff or less investment income. And with less debt, ...
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  • supreme-court-and-inherited-iras

    The New Problem of Gifting an IRA to Your Children

    July 24, 2015
    Key Takeaway! Inheriting an IRA just got a little more complicated. The Supreme Court has ruled that inherited IRAs for non-spouses are not protected from creditors. Your estate plan might need an update. Giving money to children and grandchildren in our estate plans is one of the more complicated issues in ...
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  • big-ticket-items

    The Weekly Anti-Budget, Part II

    July 14, 2015
    Key Takeaway! You tried the weekly paycheck and it didn’t work for you. While it seems like yet another failed experiment in trying to get your savings going, it actually worked in a different way than you expected and highlighted exactly where the temporary problem in your spending is. The more ...
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  • news

    The Push and Pull of Risk Tolerance, Perception and Capacity

    July 2, 2015
    Key Takeaway! The news cycle forces us to use will power to overcome the urge to “do something” in our portfolio. We all know we shouldn’t act too quickly, but knowing why is important to maintaining that will power. Your definition of risk is the why. With the latest news on ...
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