Monthly Archives: February 2015

Obama urges financial planning reforms‏

Hallelujah! It’s about time — somebody in elected office wanting consumers to understand the difference between a “fiduciary” standard of care and the  “suitability” standard. Under current rules, only financial planners with so-called “fiduciary duty” must invest with the best interest of their clients in mind. Those (insurance and/or investments) without fiduciary duty may guide investment recommendations based on what is “suitable” for their clients. All licensed financial advisors work under one standard or the other. Do you know which standard your own advisor falls under? Now, the vast … Continue reading

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Are U.S. Treasury Bonds Safe?

Perhaps the “safest” bond of all for American investors is the US Treasury bond. If for no other reason than the government can just print more money to repay the bonds at maturity and/or the interest along the way. But even these bonds do not fit into my clients “safe and secure” bucket where their investments can never go down in value. In this bucket their money can never go backwards. You can watch a 60 second video on the 3 buckets of risk by clicking … Continue reading

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What is an “In-service withdrawal”?

Are you familiar with the term “in-service withdrawal”? If you or someone you care about is over age 59.5 and still contributing to a 401(k), 403(b) or TSA account, you should watch this one minute educational video. http://youtu.be/DWn6lUOE55A all the best… Mark PS- these same reasons hold true if you have a retirement plan still kept at an “old employer” that you’ve left there!

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