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 […]

April 2019 Newsletter

Our latest quarterly newsletter is fresh off the presses. Here is a link to access a pdf version:  April 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 […]

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 a lot of time in lately is “Retirement & Financial Independence Cash Flow Planning”. Financial Independence sounds wonderful, but when the rubber meets the […]

FAFSA for HENRYs

With one child in college and two more quickly approaching, I am intimately aware of the soaring costs of a college education. For the 2018–2019 school year the average cost of Tuition and Fees, not including Room and Board, was $35,830 for private colleges and $10,230 for public colleges according to data from the College […]

Bouncing Markets

Christmas came late! After a volatile gut-clenching end to 2018, when markets finished with a dramatic correction, the year’s first quarter delivered a happy rebound. All market sectors turned strongly GREEN, leaving last year’s champion, Cash, in their dust. It just goes to say, what goes up must come down, and vice versa. In the […]

PLEASE DON’T “FED” THE BEAR

The market confusion referenced in our last commentary has somewhat resolved itself as the final quarter of 2018 closed. The 10-year Bull market has been abruptly interrupted as the Bear emerged from the woods with a vengeance. Having been held in check by an accommodative Fed for most of that period, it now appears the […]

New, and Not-New, Responsibilities to Clients

Our clients are aware that they have each signed new advisory agreements during the past year. The new agreements are exactly as before except for the addition of federally mandated exceptions to the confidentiality provisions. Now, if we ever suspect that a client is experiencing “diminished mental capacity” or “elder abuse,” we are authorized and […]

January 2019 Newsletter

Our latest quarterly newsletter is fresh off the presses. Here is a link to access a pdf version: January 2019 Newsletter. Our latest quarterly newsletter is fresh off the presses. Here is a link to access a pdf version: January 2019 Newsletter.    Please let us know if you would like to receive a paper […]

New Year, New Numbers

Every year, there are cost of living adjustments to various numbers that affect financial planning, for instance, Social Security payments increase in 2019 by 2.8%. Here is a summary of some important changes. Please let us know if we can help you understand how these numbers affect you. Your ability to save on a tax […]

Spooked by Volatility?

Those of you who have been diligently consuming our investment commentary would recognize that the current market volatility is not unexpected. Our view has been that US Equities, especially growth and technology stocks, have been overvalued for some time. These are the sectors that have led the current downturn. Two-thirds of the S&P 500’s individual […]