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Comprehensive Financial Planning
Globally Diversified, Low Cost Portfolios


Recommended Reading - Happy Money: The New Science of Smarter Spending

Published June 12, 2015

If you think money can’t buy happiness, you’re not spending it right! At least, that is the conclusion of researchers Elizabeth Dunn and Michael Norton, two rising stars in of the world of behavioral science.

Why Financial Planning is an Absolute Necessity for Everyone

Published May 29, 2015

Home Equity Loan vs Home Equity Line of Credit – Which is Right for You?

Published April 24, 2015

With home values finally recovering from their steep declines during the great recession, and interest rates still hovering around their historic lows, homeowners are, once again, looking to their home equity for financing. Among all of the factors that go into home equity financing, the first consideration should be the type of financing – a Home Equity Loan (HEL) or a Home Equity Line of Credit (HELOC). Both serve the purpose of tapping your home equity, and both offer attractive interest rates; however, they function very differently. Here’s how to determine which is right for you.

Getting the Most from Your 401(k) Plan

Published December 16, 2014

As employer sponsored pension plans have become far less common in the private sector, Congress established 401(k) plans to encourage individuals to save for their retirement. Offered through employers, the plans are generally available to eligible employees who are allowed to contribute a percent of their salary to the plan. In most plans, employees are given a menu of investment options that enable them to create a portfolio that is most suited for their investment preferences and risk tolerance.

Asset Allocation = Risk Allocation

Published September 2, 2014

While the current stock market boom has some people rejoicing it doesn’t appear as though their level of anxiety has abated much. Investors sometimes have short memories, but a stock market rally is not likely to make people forget the carnage left behind in their 401(k)s and stock portfolios after one of the worst market declines in our history. Perhaps at no other time in our recent history have investors been so acutely aware of the risk of investing.

Choose Your Social Security Age with Care - It Could Cost you a Bundle

Published August 4, 2014

With more than 10,000 Baby Boomers crossing the retirement threshold every day, the Social Security check writing machine has kicked into overdrive. Following a tumultuous decade in which pre-retirees and retirees saw their 401k plans rocked by two stock market crashes, two recessions and a financial crisis, an increasing number of people are more reliant on Social Security benefits than ever before. And, while the temptation to start taking benefits at the normal Social Security retirement age of 66 (for those born between 1943 -1954), or even earlier at age 62 is great, retirees may be leaving tens of thousands of dollars on the table by not waiting as long as they possibly can to tap Social Security.

Leaving an Employer - Should I or Should I not Roll-over?

Published July 28, 2014

When you change jobs, everything you need to take with you can usually be packed neatly into a couple boxes for your move - everything except your employer-sponsored retirement plan. Of course, you will likely enroll in your new employer’s retirement plan, but the decision as to what to do with your existing 401k plan may not be all that clear. As with anyone who leaves an employer-sponsored retirement plan, you usually have four options to consider:

The Importance of an Investment Philosophy

Published July 22, 2014

If you listen to any of the world’s leading investors they will tell you that nothing is more important to long-term investment success than a clear investment philosophy. More important than a sound investment strategy? Yes, they will tell you, because strategy, while important, is nothing more than a manifestation of an investment philosophy. Strategy can evolve as circumstances might warrant; however, an investment philosophy is based on the intractable belief you have in the principles and practices that guide your decision-making. In times of market upheaval and through the dark of uncertainty, your investment philosophy enables you to control your emotions, shut out the noise and focus on the things that really matter over the long term.

Are Advisory Fees Tax Deductible?

It’s tax season again, and a question we often get when talking with a new client is, “Are my investment advisory fees tax deductible?” And the answer is an equivocal, “It depends.”

Congress did grant a tax deduction for certain investment expenses, but with anything to do with the tax code, the devil is in the details.

Finance Lessons for Your Teen

The current economic environment has caused most everyone to reconsider their personal finances with many people having to drastically change their spending and savings habits. Out of this economic malaise may come an opportunity to finally instill the right habits in your teens that can carry them into adulthood on the right financial footing.

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