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Categories
Category Archives: Regular Blog
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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Tagged 10 year treasury bonds, U.S. Treasury bonds
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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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Tagged in-service withdrawals
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some thoughts on the stock market…
Barely a month into the new year, one of my market predictions has born out so far – lot’s 0f market volatility! It certainly has been a daily roller coaster ride. However, it remains to be seen if my much bolder prediction of maybe an 8% rise in the S&P 500 might still work out. Whether it does or not… will NOT effect my clients however. You might be interested to know that the US stock market has now had 6 years of positive gains. (2009-2014). However, … Continue reading
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What do you want your buckets to look like?
This 60 second video is the first step in making an investment portfolio to allow you to sleep well at night by determining how much investment risk you would feel comfortable with. There is no right or wrong answer, just want feels right for you. So far in 2015, there have yet to be 2 “up” trading days in a row. I see lots of volatility this year and most investors getting whipped-sawed if they jump in an out of the markets (fear and greed). … Continue reading
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Tagged investment risk
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