How To Get The Most Out of Your Company Retirement Plan Part 2

For Employees / Plan Participants This is part 2 of maximizing the effectiveness of your company retirement plan. This week’s post is focused on employees and plan participants. You’ll see the same recurring theme here as well – ask for more! Anytime your advisor comes out for in-person meetings, have a list of questions to […]

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How To Get The Most Out of Your Company Retirement Plan Part 1

For Employer/Plan Sponsors These next two blog posts are going to focus on how to get the most out of your retirement plan. This first one will be for the employer and plan sponsor. Next weeks post will be directed to participants and how they can maximize the value of the retirement plan. For both […]

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Low Volatility – The Calm Before The Storm?

Can too much of a good thing… be a bad thing? We are in the 2nd longest bull market in US history (second only to the one from 1989 – 2000), inflation remains historically low, and now 2017 has been the least volatile year since intraday records began in 1970. So does all of this […]

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Financial Basics for Millennials

With age comes responsibility, so if you’re a young adult in your 20s or 30s, chances are you’ve been introduced to the realities of adulthood. While you’re excited by all the opportunities life has to offer, you’re also aware of your emerging financial responsibility. In the financial realm, the millennial generation (young adults born between […]

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Getting Help from a Financial Professional

Are you suddenly on your own or forced to assume greater responsibility for your financial future? Unsure about whether you’re on the right track with your savings and investments? Finding yourself with new responsibilities, such as the care of a child or an aging parent? Facing other life events, such as marriage, divorce, the sale […]

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Why You Can’t (And Shouldn’t) Trust Most “Financial Advisors”

I actually hate telling people I’m in the financial services industry because I don’t like and don’t trust about 90% of the “financial advisors” that I’ve met. Want to know a secret? The vast majority of “financial advisors” aren’t advisors – they’re sales people who don’t care about your financial future. All they care about […]

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Free Money For Moving Your Savings Online

Do you have your savings account at the same brick and mortar financial institution (such as Regions or Wells Fargo) that you have your checking account? I know you may think it is convenient to do so, but if you do, you are paying a hefty fee for that convenience. Now it’s not a hard-dollar […]

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Not All ‘Banking’ Institutions are the Same: Banks vs Credit Unions

I’m often asked which one is better – banks or credit unions. Although ironically, when I respond by asking  if they know the difference between a bank and a credit union and they say no, then I think how can they ask which one is better if they don’t know the difference between the two. Hopefully […]

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Saving for College vs Saving for Retirement

If you’re like most parents, there are always more demands on our resources than there are resources to meet the demands. Two of those competing demands that often stress out parents are saving for their own retirements or saving for their kid’s college. Horace Mann said “Education then, beyond all other devices of human origin, […]

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Don’t Sweat the Small Stuff

We’ve probably all heard the saying “don’t sweat the small stuff” and this applies to your monthly spending plan as well. Focus on the major categories and don’t sweat the small stuff. So you get a cup of Starbucks when you weren’t planning on it or you splurged and bought yourself something at the grocery store that […]

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