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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
