Inflation since 2008 has been very low. The average since 2008 is a paltry 1.48%. The numbers annually are as follows: Year Rate of inflation 2008 .1% 2009 2.7% 2010 1.5% 2011 3.0% 2012 1.7% 2013 1.5% 2014 .8%...
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Many people have heard about reverse mortgages. They are hyped on TV, radio, magazines and many brokers recommend them aggressively. As a financial planners we have considered them as a possible solution for those who are concerned about outliving...
However, while tax-deferred growth can be a good deal, paying taxes on the way out may be a bad deal in some circumstances. Recently, we came across that very circumstance. What differentiated this client was his plans for retirement....
Oil is on sale! With such low prices, our client Marcus Junius Brutus the Younger has decided that now is the time to buy. But, wait a second – how exactly does one invest in oil?
Many company officers and other highly-compensated executives receive a whole host of employer retirement benefits, including not only a 401(k) plan and a pension plan, but a non-qualified deferred compensation (NQDC) plan as well. Like 401(k) plans, NQDC plans...
Today’s post is inspired by Charlemagne, who writes in to ask about a sudden drop in value of one of his investments. Concerned about his holding Super-short Duration Debentures mutual fund (ticker: SSDD), Charlemagne writes in to say ....
To iron out his retirement plan, Temüjin meets with a financial advisor. Temüjin’s plan is ambitious, with a travel itinerary spanning from China to Bulgaria. Undoubtedly, such a vacation will be expensive. To help save for this coming expense,...
With financial planning, not only do you map out your dreams. Even better, you create a plan for making those dreams a reality. Have you always wanted to visit South America? Let’s set a time to make that happen!...
A client expresses concern over his growing debt. The fact that the wealthy individual even has debt is puzzling. Despite holding several million dollars in stocks and bonds, as well as rental properties, the client’s income is limited. In...
Considering how much risk (a lot) is required for a given return (a little), there may be better investment opportunities available. This is especially important for clients in retirement – where risk management is paramount to investment return.