Category Archives for Financial Education & News

When Everything Screams Inflation

When Everything Screams Inflation

After last year’s economic shocks, we shouldn’t be surprised to see prices rebounding. But the potential for inflation is one among many factors investors take into account when agreeing on a price

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Tax Planning in Turbulent Times

Tax Planning in Turbulent Times

How do we plan when we cannot know? The particulars may evolve, but it seems there are always an array of tax breaks to encourage us to save toward our major life goals—such as retirement, healthcare,

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Swing in Small Value Stocks Shows Benefits of Staying the Course

Value stocks, or those with low relative prices, have outperformed higher-priced growth stocks in the US over the long term. Similarly, the stocks of smaller companies have fared better than the stocks

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Is Inflation Haunting Your Financial Dreams?

Is Inflation Haunting Your Financial Dreams? (Part 2)

The Federal Reserve has been suggesting rising rates should wane. We hope they’re right. But we also know the future remains uncharted. Nearly any outcome is possible, and none is inevitable. This means

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Is Inflation Haunting Your Financial Dreams?

Is Inflation Haunting Your Financial Dreams? (Part 1)

Recent headlines have been reporting a noticeable uptick in inflation. Superlatives like “best” and “worst” grab the most attention, so outlets have been abuzz with reports of how a 5% May consumer

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Don’t Let A Market Timer Gamble with Your Life Savings

Don’t Let A Market Timer Gamble with Your Life Savings

The prediction game may be a losing one for many investors, and each year there are published reports that highlight the difficulties conventional managers face.

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Man Working Laptop Connecting Networking Concept. Happy casual mature man using smartphone and laptop computer in cafe. Businessman sitting in a restaurant talking on mobile phone while working on a laptop. Smiling businessman working on laptop sitting in a cafe. Smiling Caucasian man rewriting in social network with his friend via laptop computer and drinking coffee.

What Is Fiduciary Investment Advice, and Why Does It Matter (Now More Than Ever)?

Having a fiduciary duty to our clients puts us on similar footing with other professional consultants, such as physicians or attorneys. You hire us partly because we have dedicated our career to understanding

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economic jungle - older couple looking at computer

SPACS, NFTs, and Flourishing in the Economic Jungle

“The American marketplace is an economic jungle. As in all jungles, you easily can be destroyed if you don’t know the rules of survival. … But you also can come through in fine shape and you

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Top Heavy Market? Giant Firms on Top Is Nothing New

Top Heavy Market? Giant Firms on Top Is Nothing New

A top-heavy stock market with the largest 10 stocks accounting for over 20% of market capitalization and a marquee technology firm perched at No. 1? This is not new. A breakdown of the largest US stocks

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Under the Macroscope: When Stocks and the Economy Diverge

Under the Macroscope: When Stocks and the Economy Diverge

What’s going on in the market when stocks and the economy diverge? It can be puzzling when a bleak economic report emerges from the press, only to be accompanied by a positive surge in the stock market.

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Earning Dividends Is Not The Only Way To Grow Income

Earning Dividends Is Not The Only Way To Grow Income

Earning dividends aren’t the only way a stock investor can generate income. Investors often see earning dividends as a way to grow income. But dividend strategies are not the only way to produce cash,

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Why Hire an Independent Advisor To Further Your Financial Interests?

Why Hire an Independent Advisor To Further Your Financial Interests?

From books to blogs, from media mavens to marketeers, from pundits to pros … there’s never a lack of talking heads telling you how to make the most of your money. Why hire an independent advisor to

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Playing the Prediction Game - Hindsight Is 20/20. Foresight Isn’t.

Playing the Prediction Game – Hindsight Is 20/20. Foresight Isn’t.

Downplay the prediction game! Rather than basing investment decisions on predictions of which way debt or equity markets are headed, a wiser strategy may be to hold a range of investments that focus on

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Why

Why “Safe Harbors” Can Be Risky Business And How You Can Mitigate

Whenever investors are spooked by turbulent times, dollars tend to flow out of the stock market, and into “safe harbors” investments such as bonds, bond funds, CDs, money markets, or even cash. As

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What Happens When You Fail at Market Timing

What Happens When You Fail at Market Timing

The impact of missing just a few of the market’s best days can be profound. There’s no proven way to time the market—targeting the best days or moving to the sidelines to avoid the worst. History

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What is the Purpose of Indexes and Index Funds? (Part IV)

What is the Purpose of Indexes and Index Funds? (Part IV)

Compared to actively managed funds that seek to “beat” the market by engaging in now-outdated speculative strategies, a more solid solution for sensibly capturing available market returns is offered

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Financial Planning for Women: The Best Tips for Success

Financial Planning for Women: The Best Tips for Success

You might be suprised to learn that when it comes to the big earners — those earning more than $1 million a year — women now take the cake over men. Also, the millionaire club is getting a

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Market Index Mechanics – Interesting Idiosyncrasies (Part III)

Market indexes and market index mechanics, you read about them all the time. In Part III of this series, we take a closer look at market index mechanics to gain a better understanding of why they do,

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Index Points and What they Mean (Part II)

Index Points and What they Mean (Part II)

Checking an index point at any given time is like dipping your toe in the water to see how the ocean is doing. You may have good reasons to do that toe-check, but as with any approximation, be careful

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What is the Total Cost of Ownership?

What is the Total Cost of Ownership?

A question worth finding answers to is ‘what is the total cost of ownership?’ The costs you expect to pay are likely to be an important factor in making any investment decision, including major

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Timing Markets Isn’t Everything

Timing Markets Isn’t Everything

The lure of getting in at the right time or avoiding the next downturn may tempt even disciplined, long-term investors. The reality of successfully timing markets, however, isn’t as straightforward as

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Good Advice For Your Personal Financial Planning

Good Advice For Your Personal Financial Planning

In today’s world of one-page financial plans, bargain-basement fund pricing and automated investing tools, you don’t just need advice. You need good advice.

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What Are Liquid Investments?

What Are Liquid Investments?

What are Liquid Investments? When a holding is liquid, it simply means you can sell it anytime the market in which it trades is open for business, without losing your proverbial shirt in the exchange.

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Earning The Equity Risk Premium

Earning The Equity Risk Premium

A rubric of modern portfolio theory taught at colleges and universities holds that investors get paid extra return for taking risk. The risk premium is the amount you get paid for owning a risky asset.

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Objective Advice From Fee Only Advisors

Understanding How Fee Only Advisors Work [Infographic]

The vast majority of employees of banks, brokerage firms, and insurance companies charge a management fee part of the time and are commissioned salespeople at other times. These brokers call themselves

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Financial Anxiety

10 Steps to Easing Financial Anxiety During Major Life Changes

Life happens and, sometimes, it can be incredibly worrisome from a financial standpoint. You’ve struggled through a divorce. Perhaps you’ve faced a life-threatening illness. And, you look at your bank

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Models, Uncertainty, and the Importance of Trust

Models are approximations of the world. They are simplifications of reality. Models can be useful for gaining insights that help us make good decisions. But they can also be dangerous if someone is overconfident

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Cryptocurrency: What’s It All About?

Odds are, you hadn’t even heard the term until recently. Now, it seems as if everybody and their cousin are getting in on it. Psychologists have assigned a term to the angst you might be feeling in the

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Objective Fiduciary Advice

Avoiding Financial Scams and Identity Theft Fraud

Young or old, wealthy or poor, online or in person … Nobody is immune from financial scams and identity theft fraud. No matter who you are or how well-informed you may be, the bad guys are out there,

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What is the Purpose of Indexes and Index Funds? (Part IV)

Index Investing – Opportunities and Obstacles Legend has it, a pharmacist named John Pemberton was searching for a headache cure when he tried blending Coca leaves with Cola nuts. Who knew his recipe

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