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.
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Imagine wandering around your favorite department store. There is a massive sale – with many products being sold below cost! The deals are so good, that you wonder if the merchandise is any good. “Perhaps,” you think to yourself,...
Phil writes in to say, "Why isn’t my portfolio of stocks, bonds and alternative investments matching the performance of the Dow Jones Industrial Average?" The answer to Phil's question simply has to do with which type of . ....
In a previous post, we discussed three distribution options available to pensioners. That is, how will you receive the money offered by your pension? While there are multiple ways a pension fund can pay out benefits, we discussed three...
In the fiduciary model, the financial advisor is legally obligated to act in the client’s best interest. This legal obligation requires the fee-only financial planner to work for the client – and not for themselves. This begs this questions,...
You may already be invested in private equity; large pension plans are very keen on private equity investments. If you have a pension with CalSTRS or CalPERS, or the University of California, you very likely own some private equity...
Our opinion that fee-only financial planning is terrific is biased. So, you do not have to take our word for it. Financial journalist Jane Bryant Quinn, consumer expert Clark Howard, personal financial guru Suze Orman, and non-profit organization Consumer...
Question #3: "Are you healthy?" If not, then it becomes much more difficult to qualify for a long-term care insurance policy. Waiting until you are no longer healthy to apply for long-term care could make the process . ....
"You want to be confident that they will still be in business when, and if, you need to file a claim," says Nancy McCready, CFP® of the Certified Financial Planner Board of Standards, Inc. (CFP Board). You can check...
A stretch IRA is not a type of IRA account. Rather, a stretch IRA is a distribution strategy for the inheritors of IRA accounts. With a stretch strategy, the IRA account is passed from beneficiary to beneficiary, with the...