Archive for December 2014

Fundamentals of Investing

Don’t fall prey to herd mentality With the government shutdown and other worldwide uncertainties, by “not following the herd,” the investor has opportunity.   When we have wars, natural disasters, government regulation, interest rate fluctuation, high unemployment, etc., downturns in the market often occur and investors often run for the hills. However, for every negative there…

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How to Create Income During Retirement

Want to learn how to create income during retirement? Your strategy used will be determined during the accumulation phase or the preservation stage.  Today I will discuss what to focus on when you are ready to retire.  Focus should be placed on creating the income you need and how to preserve your assets. First, you…

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Do I Need an Investment Advisor?

Do I Need an Investment Advisor? Most of us are busy with work, kids, church, walking the dog, possibly caring for an elderly parent, and a variety of other responsibilities that consume our day.  With all that we have going on, we tend to have little to no time for ourselves.  We often neglect things…

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4 Items to Review During Retirement

Items to Review During Retirement Analyze your current portfolio.  How much risk are you currently taking?  What is the amount of volatility you are willing to accept and does your portfolio reflect that?  If you know that you cannot bear more than 10 percent fluctuation when the market is down, is your portfolio positioned accordingly?…

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Multiple 401k Plans and Options

Here are some common questions we get asked when it comes to 401k plans. “These days many people have moved around, from job to job, ending up with multiple 401k plans. What should I do? Leave the 401k where it is, move it to my new employer, or simply covert it to an IRA and…

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Old Fashioned Financial Independence

Are you looking to become financially independent? True financial independence calls for a combination of hard work, discipline, and a few simple steps which I will outline here.   Do not live beyond your means.  Have a budget and don’t incur bad debt.  I’m sure you have heard this many times but, do not keep…

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What I Should Know About My Thrift Savings Plan

Thrift Savings Plans and The Investment Fund Allocation Choices As with all things, understanding the Big Picture can help tremendously in your financial goals. A Thrift savings plan, or commonly known as TSP, is a retirement program offered to Federal Employees. A Thrift Savings plan allows the employee to contribute dollars towards their retirement on…

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Managing the Effects of Millennial College Graduates on Boomers’ Retirement Planning

I’s a great thing that society values education, but millennial college graduates can affect your financial goals. Unfortunately, little thought is put into managing the effects of college graduates on retirement planning. In many cases, the millennial college graduates can have a lasting negative impact on baby boomer savings, but it doesn’t have to be…

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