Blog

New and Pre-Retirees Strategies to Secure a Loan

You might not have any plans to borrow money once you reach retirement, but circumstances can change. You might need extra funds to cover a major home repair or medical crisis. You might discover a new activity to pursue, such as starting a business or helping a family member with an opportunity. Or, you may want to refinance or purchase a second home. The challenge for retirees is that it can be much more nuanced and problematic to secure a loan once you have left the workforce and no longer have a steady stream of income.

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The Evolution of Real Estate Investing for Individual Investors

Including asset classes in a portfolio that have low correlations to stocks is a great way to reduce portfolio volatility. Unfortunately, most traditional assets such as various equity segments, lower quality bonds, and even public real estate are more closely correlated with stocks than most people think. 

Private nontraded real estate funds have historically low correlations to both stocks and fixed income while providing exposure to the third-largest asset class after stocks and bonds, commercial real estate. Historically, commercial real estate has been one of the primary ways large institutional investors have diversified their portfolios. Now these alternative investments are becoming more widely available to retail investors.

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Buy-Sell Agreements: A Must-Have in Succession Planning for Family-Owned Businesses

Family-owned businesses are often formed with the intent of passing ownership of the company to the next generation and beyond. However, the evolution of the family structure in today’s society could present some challenges for owners who want to ensure those who follow, share the same family values and business ambitions. As family units become more splintered through second and third marriages or children with different interests or values, it’s less certain that the business will end up in the right hands. 

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5 Investing Blunders We See Investors Make

In the words of Ben Graham, arguably one of the most successful investors of all time, "The investor's chief problem – even his worst enemy – is likely to be himself." As Graham and decades of research have uncovered, most investors fall victim to their own emotional and irrational behavior based largely on the short-term outcomes of their investment decisions. The failure to adhere to a long-term strategy steeped in sound principles and practices results in a haphazard approach to investing that invariably leads to costly mistakes. 

Here are the most common blunders we often see investors make.

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The Three Most Pressing Fears in Retirement

The most significant fear most people have as they plan for their retirement is outliving their income. Though seven in ten workers say they have confidence in the planning they’ve done to live comfortably in retirement, many may not be prepared for certain risks that could threaten their lifetime income sufficiency.

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INHERITANCE VS. GIFTING: WHAT IS THE BEST WAY TO SHARE YOUR WEALTH GIVEN THE CURRENT TAX CLIMATE?

From their first steps to their first apartment, you’ve been there to support your children through life’s many ups and downs. Naturally, you have and always will want what is best for them. Sharing your wealth with them once you are gone, then, will be no different.

Traditionally, parents plan to share their wealth by leaving their children an inheritance. That is, assets are bequeathed and shared after the parents’ passing. But, should an inheritance strictly be just that? What if you could enjoy seeing your children receive and utilize parts of their inheritance while you are still alive? Read the full article...

TRADITIONAL 401K OR ROTH 401K: IS IT TIME YOU REEVALUATED?

If your employer retirement plan gives you a choice to contribute to a traditional 401k plan or a Roth 401k plan, which do you choose? While contributing to any retirement plan is a big step in the right direction, there may be significant advantages in choosing one type of plan over another—or participating in both. That choice mainly comes down to your current financial circumstances as well as your outlook for the future. Here are some key considerations when deciding between a traditional 401k plan and a Roth 401k plan. Read the full article...

REDUCING FINANCIAL CONFIDENCE “ATROPHY” WITH YOUR FINANCIAL ADVISOR

Most people are familiar with physical atrophy, which is defined as a deterioration, wasting away, or reduction caused by non-use. But, this same concept of "atrophy" can be applied to your financial confidence, as well. Specifically, in the planning you have already done with your financial advisor. Read the full article...

COULD A SECURITIES-BACKED LINE OF CREDIT BE RIGHT FOR YOU?

Have you ever needed cash but didn’t want to sell any of your investments and have to pay taxes? A securities-backed line of credit (SBLOC) could be a good solution.

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How to Have Fun with your Investment Portfolio

As our clients are well-aware, we take a long-term view with our investment philosophy, focusing on crafting diversified portfolios and believing in the power of compounding returns to build and preserve wealth... As prudent and wise as this approach may be, this kind of investing can be seen as boring to some investors. This feeling can be exasperated during periods when technology, trading apps, crypto, and other speculative investment options are garnering so much excitement. Investors can’t help but wonder, am I missing out?

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