What are your concerns? Planning for retirement? Accumulating enough for retirement? Market risk and volatility? Social Security planning? Throughout the website you will find ideas and information that is designed to help. A few ideas are discussed below. Need more help? Feel free to contact me directly.
Interactive Personal Planning Portal
Are your retirement projections sustainable? Will you outlive your assets? Click here to access your interactive Personal Planning Portal and develop a plan or refine an existing plan. You can also download most of your accounts into one convenient location. Call me or send an e-mail for your access codes.
Social Security Planning
The best Social Security benefit election for right now may not be the best deal for a lifetime.
Did you know that there are literally thousands of options for when and how you elect your Social Security benefit? Did you know that the difference between a good election decision and a poor one is regularly more than $100,000 in income? (Social Security Timing, Inc.) Married couples, divorcees and widows should carefully explore their options. In some cases benefits may be available as early as age 60. My Social Security Optimization software will provide a detailed matrix the value of benefit at multiple ages regardless of marriage status. Contact me directly for your personal Social Security detailed financial impact analysis.
For more information click on the Social Security Tab at the top of this page. Married couples may learn more about their options by using the Married Couples Social Security Optimizer. If you have questions or would like a much more detailed report, please let me know.
Sailing and Rowing - An Investment Strategy for Today
There are times to take advantage of the market environment and times when the priority is simply to avoid market risk. That is why a flexible approach to investing that is designed to adapt to changing market conditions is needed. Asset Allocation is not dead but it is evolving. Many advisors use strategies that are stuck in the 90's. Learn more about the Managing 21st Century Volatility and change the way you think about Asset Allocation with a quick click by watching:
The Case for Intelligent Diversification
For more information go to the "Resources" tab above. Learn more about the evolution of asset allocation and portfolio construction as well as meeting two of our strategic part.
Events on Wall Street
Can successful investors predict changes in the markets? Some can but others miss the market’s signals.
How to Make the Tax Code Work for You
When you take the time to learn more about how it works, you may be able to put the tax code to work for you.
When Do You Need a Will?
When do you need a will? The answer is easy: right now.
If you want to avoid potential surprises at tax time, it may make sense to know where you stand when it comes to the AMT.
Here's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income.
A change in your mindset during retirement may drive changes to your portfolio.
When considering life insurance, it's important to understand your options.
Whole life insurance remains in force as long as you remain current with premiums. Here's how it works.
Executors can value the estate on the date of death, or on its six-month anniversary —the “Alternate Valuation Date."
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
This calculator compares the financial impact of leasing versus buying an automobile.
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
Estimate the total cost in today's dollars of various mortgage alternatives.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
This calculator helps estimate your federal estate tax liability.
There are some key concepts to understand when investing for retirement
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Understanding the cycle of investing may help you avoid easy pitfalls.
It's easy to let your investments accumulate like the junk in a junk drawer. This may not be the best approach.
How will you weather the ups and downs of the business cycle?
Learning more about gold, and its history, may help you answer that question.
There are nearly 1,200 ETFs available. Should you invest in them?
The decision whether to buy or rent a home may have long-term implications.