When Walt, Jeff, and I joined together in 2007, I was the designated technology expert and we introduced state of the art systems that served us well for many years. But time moves on and technology evolves. Over the last twelve months, under the guidance of our Director of Operations, Graham Shepherd, we have made […]
I will be retiring from Armor on December 31, 2019. I look forward to spending more time with my family, travelling, and engaging in personal interests such as boating, golfing, writing, and political involvement. I also intend to continue to practice law in Wilmington. Although I will not be providing client services after the end […]
October has arrived and the darker spirits of the market have emerged beginning with an immediate October sell-off of equities. Boo! It is the Season of the Witch, and equities are being spooked. The first three days of the quarter eliminated the third quarter’s gains as an increasing flow of struggling economic indicators has appeared. […]
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 […]
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 […]
