Whether you are starting a family or nearing retirement, there are considerations to be made as to your need for life insurance. Many people don’t think they need it, and if they think they might, they don’t necessarily know how much they require. In fact, where you are in your life will determine how much […]
I found myself ranting in front of a client the other day (something I rarely do.). It was about the real estate market. Not how well (or poorly) the housing market was performing, but rather the toll the selling process was taking on my clients. My complaint: selling homes has gone the way of the […]
The last time we owned a dedicated position of gold in our portfolios was early 2013. Over the last six and a half years gold prices have generally disappointed, with the exception being the last few months. However, the outlook for the commodity may continue to brighten, at least according to the research we have […]
Cybersecurity in the News Many of us have become aware of serious data breaches over the last several years involving big companies such as Target, Yahoo, Marriot and Equifax. These data breaches affected hundreds of millions of people around the world and brought light to the importance of cybersecurity, a topic that otherwise doesn’t garner […]
On May 23rd the House of Representatives passed a bill “Setting Every Community Up for Retirement Enhancement” or SECURE for short. While the name is a little zany, this bill would make some of the biggest changes to retirement policy in over 10 years. The bill is expected to get fast-tracked in the Senate, as […]
We have been sitting tight on our portfolio asset allocation since the beginning of the trade war escalation this month. Does this mean we aren’t worried? For now, the answer is, “Yes, unless.” The outlook for US/China trade relations is unsettled. The US could be at the beginning of a long drawn out trade war, […]
“Those who cannot remember the past are condemned to repeat it” -George Santayana, Famed philosopher and poet Last Friday President Trump announced he would hike tariffs on another $200 Billion of Chinese goods. For months, the stock market seems to rally and then selloff based on anonymous sources talking about the progress of finding a […]
For most people, the rising cost of healthcare poses a major concern for lifestyle in retirement. It also makes the decision of when to retire that much more challenging, knowing this is an unavoidable yet sizeable expense. After the Affordable Care Act went into effect in 2010, the focus was more on access to services, […]
Several clients have asked if we are happy with our move to Fidelity Investments. Our response has been that we couldn’t be more pleased with the changes we have seen since we transitioned custodians nineteen months ago. Fidelity has more than met our objectives to reduce client fees (low or free trading costs) and to […]
We recently held our annual “ShredIt” event and invited our clients to bring in any old documents that needed shredding. It was our second annual event like this, and this year’s was just as well received. In all, 1.85 tons of paper w…
