What’s Fixed Income or Bonds?

What’s Fixed Income or Bonds?

When interest rates were high 30 years ago, a low risk investment involved buying a CD with a life of several years at a guaranteed rate of return. Your principle was locked up for the time period, however was safe. CD’s are still available, however the interest rates are so low that they are not…

Time & Expertise & Investing

Time & Expertise & Investing

The truth about investing in the stock market is that most of us do not have the time or expertise to do detailed analysis on a multitude of companies so that we can make an informed investment decision. Also, we are not in a position like Warren Buffet to have an army of analysts look…

In retirement savers don’t know how to spend.

In retirement savers don’t know how to spend.

Within my financial planning firm, I have a platinum group of clients who saved their entire working life for the future.  Their drive to save and be financial secure superseded any and all impulse buys, and drift from their budgets . As they enter their first several years of retirement their greatest challenge facing them is…

Financial Planning is for the Now and the Future.

Financial Planning is for the Now and the Future.

After reading the article, “The value of planning for now” by Carolyn McClanahan, I was not sure if this was new. Financial planning needs to be done for everyone at all stages of life, not just those who have enough investable assets to hit the minimums required. As I meet with clients a common obstacle that…

Millennials’ Student Debt is negatively impacting the Baby Boomers.

Millennials’ Student Debt is negatively impacting the Baby Boomers.

Student debt has multi-generational impact on financial wellness: by Sheryl Smolkin at Retirement Benefit Adviser. Today the new conundrum facing many parents is: Do they save for their children’s college education now or wait and help them with their student loan debt later? Saving now, for college education may mean holding off on a vacation or buying a new car….

News flash: It appears Prince didn’t have a Will:

News flash: It appears Prince didn’t have a Will:

Prince died without a Will, According to Court Documents Filed by His Sister. What does Prince have to do with financial planning?  Well everything. For an artist who was reported to  have complete control over every part of his life and music, Prince passed away without a plan for his death.  Like all of us, Prince didn’t…

Start at the very beginning

Start at the very beginning

Saving,  when you’re trying to pay off your credit cards and student loans or you’re just starting off can be overwhelming to get your head around, where to begin? let’s start at the very beginning a very good place to start when you read you begin with abc…  The Sound of Music is a musical…

How is a Certified Financial Planner™ different from other advisor?

If your financial life seems to be spinning out of control, you’re not alone. Over the last 25 years or so, the responsibility to save for retirement has shifted from employer to the individual. Today more than ever, CERTIFIED FINANCIAL PLANNER™ professionals are an essential resource. From budgeting, to planning for retirement, to saving for…