Financial Planning

DO YOU LIKE TO BE AROUND NICE PEOPLE?  Work with them?  Spend your social time with them?  Is this a trick question? IT IS SAFE TO ASSUME THAT, ALL THINGS BEING EQUAL, we would prefer the company [...]

USED CAR SALES PEOPLE GET A BAD RAP. They’re an easy target. They are the ubiquitous reference for any shady, aggressive or over the top sales tactics. HOWEVER, THEY HAVE NOTHING ON THE [...]

I DO A LOT OF RETIREMENT PLANS AND PROJECTIONS.  I do them for couples, singles, people close to retirement, others in retirement, and for many who are several decades away. SOME PEOPLE ARE IN [...]

DO YOU WANT TO MAKE MONEY ON YOUR MONEY?  I do.  Most of us do.  This is why we invest.  It doesn’t make us greedy. If you don’t want to make money on your money, why invest? WHETHER [...]

MOST COMPANY RETIREMENT PLANS GIVE YOU THE OPTION TO SAVE MONEY PRE-TAX OR AFTER-TAX.  Many people I talk to aren’t sure which one they should select. So what should you do?  Which one is [...]

THE 20 MINUTE SEGMENT BY JOHN OLIVER OF LASTWEEKTONIGH FROM EARLY JUNE IS MAKING THE ROUNDS IN THE FINANCIAL SERVICES INDUSTRY.  If you haven’t seen it yet, here it is. Very clever and [...]

INVESTMENT RISK IS THE IDEA THAT YOUR INVESTMENTS WILL SUFFER LOSS.   Your losses could be small or big.  They could be over quickly or occur over a long time.  Losing money on your investments, [...]

I’VE BEEN LOOKING FOR A WAY TO DESCRIBE MOST OF THE GUIDANCE PROVIDED BY THOSE IN THE FINANCIAL SERVICES INDUSTRY.  I’ve struggled with the best way to put it. HOWEVER, THE QUOTABLE [...]

NEW ANNUITIES I AM NOT MUCH OF A FAN OF VARIABLE ANNUITIES.  Primarily because I don’t believe that most people need to insure their investments.  Nor do I think the value of future [...]

DO YOU HAVE “EMERGENCY” MONEY?  Many people do.  This is money that you can get your hands on quickly.  Maybe not in an instant, but possibly a day or two; or week or two; or even in [...]