Blog

What Does Financial Planning Really Mean?

Originally published on Tue, June 6, 2017

There are many terms used to describe the services of a financial advisor.  Some of these include wealth management, financial planning, and investment management.

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Chasing Returns - The Biggest Mistake Investors Make

Originally posted on Wed, April 5, 2017

For anyone who has either played or watched a game of baseball, hitting that big home run is exciting. This can be compared to investing all your money into an investment that tracks the S&P 500 Index and having a year like 2013 when your portfolio was up over 32%.

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Financial Wellness Programs: Lessening Financial Stress

Originally posted on Tue, February 14, 2017

Corporate financial wellness programs are designed to help your employees take control of their finances, so they can focus on what matters — at work and in their lives. Whether obvious or not, many employees are carrying a great deal of financial stress, making financial wellness programs not only important, but in our opinion, as necessary as providing basic benefits such as life and disability insurance.

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The 3 Things Federal Employees Need to Know about their VCP

Originally posted on Tue,December 13, 2016 

While there has been a lot of political proposals and promises in the news during this 2016 election year, there is one potential budget change proposed by President Barack Obama for 2017 that may have a big impact to some federal government employees. It has to do with the little-known (and very beneficial) retirement program called the Voluntary Contribution Plan (VCP) which is available to Civil Service Retirement System (CSRS) employees.

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Protect Yourself from Identity Theft During the Holidays

Originally posted on Thu, December 1, 2016

With the holidays rapidly approaching, we are consistently hearing a lot of our clients talk about the cyber security. Staying safe online in this digital world deserves our attention more than ever, especially during the holiday season.

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Why College Students Should Have a Health Care Proxy

Originally posted on Tue, November 8, 2016

Preparing for college is an emotional rollercoaster for both parents and students alike. As a parent, you tend to concentrate on applying for financial aid, organizing for the upcoming tuition payments, and even transporting all of your child’s furniture/clothes.

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The Forecast for Black Gold

Originally posted on March 11, 2015

There are a lot of opinions about the price of oil. Some experts are suggesting the price could plummet to $10 per barrel while others are making the argument for $150 or more. The correct answer is that nobody really knows. However, we can’t stop reading about the predictions.

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Wedding Financial Tips: A Survivor’s Guide

Originally posted on Fri, September 23, 2016

It’s that time of year again: Wedding Season!

The financial burden of putting-on, or even attending a wedding is something to think about. However, with proper planning, it’s possible to keep wedding costs under control! In this article, we hope to share a few financial tips so you can enjoy your day without depleting your savings.

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A Potential Conflict of Interest with your Financial Advisor

Originally posted on April 2, 2015

I have been managing investments for over twenty years and, during this period, I have met with many prospective clients. It is during these initial meetings that I review investment statements and other financial documents to determine if I can be of assistance. As an independent advisor, there is one specific situation that I believe deserves attention since it is a potential conflict-of-interest when acting in a fiduciary capacity. The situation looks like this:

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Investing Can Be Like Playing a Game of Monopoly

Originally posted on April 29, 2015

Remember playing Monopoly with your kids or as a kid? It’s a game of strategy and most of us choose one of two ways to go. The first way is to spend most of our cash on a high-end property like Park Place or Boardwalk in the hopes that we will score a big profit when the other players land there. The other strategy is to purchase a combination of high-rent and low-rent properties to spread out our investments.

Let’s go through some data that will prove, historically speaking, that a diversified portfolio is a better way to invest than simply the S&P 500 Index. In keeping with my Monopoly metaphor, this would be akin to purchasing various valued properties and not just the most expensive rents.

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