Fiduciary Redux II

Every year or so, I feel the need to write an article about the Fiduciary Standard because large financial firms or regulators muddy the differences between true fiduciary firms and product salespeople like stockbrokers and insurance agents. In January 2017 I wrote on this topic when the Department of Labor introduced new regulations (which were […]

When A Plan Comes Together

If you’ve met with our team recently, you’re probably familiar with our “Risk Analysis Grid” that is used to guide financial planning meetings. One area of the grid that I’ve spent time talking about lately is “Education Cash Flow Planning”. Fall semesters are right around the corner, and with many of our clients transitioning their […]

Here We Go Again!

According to the National Bureau of Economic Research, the U.S. economy broke a record for its longest expansion ever Monday July 1, 2019. Economic expansion has continued for more than 10 years. Growth is now in its 121st month since the Great Recession. And the market keeps rocking upward! As we go to print, markets […]

July 2019 Newsletter

Our latest quarterly newsletter is available. Please follow this link to access a pdf version:  July 2019 Newsletter. Please let us know if you would like to receive a paper copy in the mail. Nothing contained in this publication is intended to constitute legal, tax, securities or investment advice, nor an opinion concerning the appropriateness […]

Now hiring an Associate Financial Planner!

We are excited to announce that we are looking for a motivated individual to join our team as an Associate Financial Planner!  This role is designed to support our firm’s lead advisors in providing holistic financial planning and wealth management services to our clients, and serves as an exciting opportunity for those with an interest […]

Armor’s New Client Web Portal

Armor’s new client portal is LIVE! New technology has opened up doors for us to collaborate in an unprecedented way. Armor clients can now organize, prioritize and personalize their financial lives through Armor’s secure client web portal. Once we have set up your private site, you can connect all of your financial accounts to build […]

January 2018 Newsletter

Our latest quarterly newsletter is fresh off the presses. Here is a link to access a pdf version: January 2018 Newsletter Please let us know if you would like to receive a paper copy in the mail. Nothing contained in this publication is intended to constitute legal, tax, securities or investment advice, nor an opinion concerning […]

The 2017 Tax Reform Act in a Nutshell

The Tax Cuts and Jobs Act of 2017 dramatically changes the rules governing the taxation of individual taxpayers. The Act takes effect December 31, 2017 and ends January 1, 2026. It provides new income tax rates and brackets, increases the standard deduction, suspends personal deductions, increases the child tax credit, limits the state and local […]

The Energizer Bunny Market

Markets continue to set new records. This is getting to be an old story as the Bull market has now run for 8 years since the Crash. Just like the famous pink bunny it just keeps going, and going, and going….Good times, but probably too good to be true. The interesting characteristic about this run […]

Letting Go of Some Things…Enjoying Others

A friend of mine, Allan Head, is fond of asking “How will you leave the campsite?” As an estate planner and financial planner, his question raises legacy issues of all sorts for me. The legacy issues include questions about values and life lessons, money, and many other things. One area that has concerned many of […]