ArticlesDon’t Run Out of Money in Retirement: Four Retirement Planning Mistakes to Avoid Thursday, February 9th, 2012 Saving for retirement is a major concern of many Americans. While planning for the future is always important, there seems to be a much higher level of anxiety for many people today. This heightened concern is largely caused by two factors. First, and most obviously, is the volatile condition of the stock market and the economy in general. To put it simply, retirees have been badly … Scandal, Risk, and Massive Losses: Don’t Trust Wall Street with Your Money in 2012 Friday, December 23rd, 2011 The New Year is here. That means this is a great time to take stock of where you are today and where you WANT to be in the future. Specifically, make the effort to evaluate the state of your investment portfolio. Was 2011 a successful year in terms of investment earnings? Did you earn what you wanted to earn? Did you earn what you needed to … The Dow Jones Nightmare: Over the Last 11 Years, the Dow has DECLINED in Value! Thursday, December 1st, 2011 On January 7, 2000, the Dow Jones Industrial Average was at 11,522 points. Last Friday, November 25, the Dow closed at 11,231 points. So, what am I saying here? I’m telling you that, if you bought into the Dow nearly 12 years ago, and remained invested through last Friday, you will have had a loss of nearly 300 points to show for your patience. In … The Debt Ceiling Debate: More Evidence That Traditional Investments Can’t Be Trusted Friday, August 5th, 2011 Recently, as the politicians in congress were deadlock with one another and with the President over raising our debt ceiling, one thing became clear; the financial stability of our country is in question; not only here, but around the world as well. And while our leaders were eventually able to agree on a strategy that prevented a catastrophic default, there may now be less time … Start Worrying About Your 401K Monday, July 18th, 2011 Do you wake up every morning and pick up the newspaper, concerned about how the latest negative economic development will impact your retirement funds? Are you constantly monitoring the markets in fear of a devastating crash similar to the one suffered in 2008? Are you tired of worrying about your 401K? If so, you are not alone. The stock market collapse of 2008 took a devastating … What Does Our Runaway Federal Budget Mean to You? Wednesday, April 20th, 2011 What a difference a decade can make! The chart below compares U.S. government spending in the year 2000 to spending in the year 2010: Expenditure Total Government Outlays Medicare Defense Entitlement… Monday, March 21st, 2011 It’s been an eventful two years for economists. Since January of 2009 we’ve seen rising prices, increased unemployment, and stunning increases in the national debt. Couple this with decreasing median household income and a decline in the value of real estate, and many observers are left gravely concerned about the future state of the economy. In January of 2009, the average cost of a gallon of … Thursday, February 3rd, 2011 (From The Wall Street Journal) In tumultuous economic times such as these, your broker or financial adviser usually offers calming words of wisdom and advice. Stay in the market long enough and you will hear these many times. How true are these words of comfort? Let’s examine 10 of the most common and see how they hold up. 1. This is actually a good time to invest … Why It’s Time to Retire the IRA and 401(k) Tuesday, January 18th, 2011 Best-selling author and wealth strategist, Chuck Oliver, shows why IRAs and 401(k)s are not the best way to save for retirement. He reveals the “Missing Structure” to achieve financial independence and how to become immune from economic downturns. He shows the smart way to plan for your retirement, protecting yourself from the negative impact of taxes, market losses and inflation. He helps you solve the … Monday, January 17th, 2011 This is the third and final installment in our series on inflation in the economy. In the first installment, we defined inflation, examined its causes and delineated where I believe inflation may be headed (10%, based on the size of the U.S. money supply). In part two, I wrote about why, despite the huge increase in the money supply, inflation has remained relatively low. (the … Inflation – Closer Than You Think: Understanding the Lag Factor Wednesday, November 24th, 2010 This is the second installment of our series on inflation in the economy. In the first installment, we defined inflation, examined its causes and delineated where I believe inflation may be headed (10%, based on the size of the U.S. money supply). Since that writing, the Federal Reserve has announced the purchase of another $600 billion in U.S. Treasury bonds. This should provide excellent “kindling” … Tuesday, October 19th, 2010 Warning, Inflation Bumps Ahead! The inflation rate in the United States has been so low for so long, you might be tempted to think that it will remain low into the near future. The current inflation rate is at just 1.2%. During the era of “multi-bubble” economies, we haven’t had to worry about inflation much. Keep in mind however, that during the 1980″ inflation climbed … National Institute of Financial Education Workplace Seminar Series Thursday, September 9th, 2010 Fall Calendar Now Being Set! As part of my duties as a new Dean of the National Institute for Financial Education (NIFE), I will be conducting workplace and adult college financial education throughout the State of Florida. I am excited to announce that we will be offering a fantastic workshop series starting this fall and, best of all, there is no charge for the training! … Monday, November 23rd, 2009 In this “post tax day” email, I wanted to share an article with you that may improve your cash flow in 2009. It is an article that was provided by Kiplinger.com on April 17, 2009. I am sure that you will find this article beneficial. If there is any way that I can be of service concerning this or any other financial concern, please do … Variable Annuities Lose Their Edge Saturday, November 21st, 2009 Many of our clients in their fifties and sixties will soon need to begin taking income withdrawals from their retirement accounts. But, their main question is – what is the most efficient and benefit-rich way to accomplish that? Many of our clients want the benefit of equity-market growth, but due to their now scaled-back time frame they require a higher degree of protection from the … Friday, November 20th, 2009 The Challenge The Solution Monday, November 16th, 2009 In this era of greatly reduced personal and corporate pension plans, Americans are looking for additional retirement income streams. The potential to receive an income from your home is an additional option that bears investigation, since many Americans need to get their assets working harder for them. The reverse mortgage option becomes extremely attractive when you combine it with Specially Designed Life Insurance SDLI) life … Thursday, November 12th, 2009 There is a lot of noise these days about reverse mortgages. What I want you to understand is that what you don’t know about the reverse mortgage as a financial planning tool is more important than what you do know! Here are the most important things to know about reverse mortgages as they relate to your financial planning:
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