Protect Your Family with Disability Insurance Coverage – Yes, You Need it! PART 3 – Group Coverage from Work
Why you need it, and if you already have it, why you need to know what you’ve got! Part 3 Potential for serious gaps: group Disability policies through work You’ve heard about disability income insurance as a work benefit, and you think you have something through your employer. Some sort of Group insurance thingy that they said […]
The Race is on: simple versus compound interest explained
When asked to name the greatest invention in human history, Albert Einstein simply replied “compound interest.” Although attributed to him, I doubt Einstein really said that, but the sentiment is spot on! Compound interest is very powerful to your financial well-being, and the difference between simple and compound interest is something everyone needs to understand. […]
Vanguard: Does hiring a financial planner add Value? Part II
Part II: More Alpha Part II: More Alpha In part I, we discussed Vanguard’s Advisor Alpha Study which concludes that working with a financial advisor adds up to 3% value year over year. However, We think there’s even more to it! In Part II, we look at other areas of added benefit that can add […]
Vanguard: Does hiring a financial planner add value? Part I
Vanguard studied it & answers the question affirmatively, but leaves out even more added benefits (which we cover in part II) Part I: Vanguard Alpha Vanguard studied the question of the whether working with a financial professional added value in a report called ‘Advisor‘s Alpha’. Vanguard’s conclusion was, ‘Yes, it definitely adds value’ and […]
7 Key Steps to Building a Strong Financial Foundation
“People who want to get rich quickly will not get rich at all. There is nothing wrong with getting rich slowly.” –Warren Buffet Mr. Buffet had it right when he said that; it is in most people’s grasp to get rich slowly if they don’t procrastinate and can create a solid foundation to build wealth upon. […]
4th Quarter 2018 in Review
*The following is part of a quarterly review sent to clients October 1st Through December 31st, 2018 The 4th Quarter of 2018 was indeed the worst end of a year since the 2008 financial crisis. Counter-intuitively, this selloff in world markets did not reflect what was going on in the US economy; but there’s no denying it happened, […]
Is your employer offering you free money?
And are you one of the people that refuse to take it? Most people get excited about a 7 or 8% rate of return on their investments. But millions of Americans are actually giving up an astounding 100% immediate rate of return that’s right in front of them. That’s right. A 100% return on their […]
A December 21st letter to clients on recent market losses
“Usually, when the urge to change is strongest, the benefit of the change is weakest.” For several years, U.S. stocks have been on a historic bull run, outpacing most other major asset classes. However, 2018 has been a rocky year for financial markets; beginning with new highs, followed by a correction in February & March, […]
It’s That Medicare Time of Year Again
** October 15th starts the Annual enrollment period for Medicare, the following is an updated reprint of this article originally from 2015. For help with Medicare advantage, Medigap and Prescription drug plans click HERE You’ve reached that magical age of 65, Congratulations, you are now Medicare eligible. But, where to start?? It can be one of […]
Yes, The Dow hit another 1000 point milestone; However, not as significant as it used to be.
First, I have no idea in the short term what the market will do, but I do know that some of the reports we hear about milestones in the market need some perspective. The US stock market was nearly flat for over 2 years until the end of 2016; the Stock market has been on […]