Insights into various financial topics are provided on our blog. Please bookmark this page for your reference.

  • March 22, 2019

    Interesting Investment Facts & Lessons Learned

    If you’re a dedicated market geek with plenty of time on your hands, you can uncover some very interesting things about stock market history and perhaps learn some interesting lessons from them. Below is a snapshot of some of them: Since 1916, the Dow Jones Industrial Average (which predates the S&P ...
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  • March 21, 2019

    The Importance of Aligning Your Investing With Your Principles

    Do your investment choices echo your outlook? Are they in agreement with your values? These questions may seem rather deep when it comes to deciding what to buy or sell, but some great investors have built fortunes by investing according to the ethical, moral, and spiritual tenets that guide their ...
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  • March 14, 2019

    The Importance of TOD & JTWROS Designations

    TOD, JTWROS – what do these obscure acronyms signify? They are shorthand for transfer on death and joint tenancy with right of survivorship – two designations that permit automatic transfer of bank or investment accounts from a deceased spouse to a surviving spouse. This automatic transfer of assets reflects a legal ...
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  • March 06, 2019

    How Legislative Changes Will Affect TSP Participants

    Most federal government employees rely on the government’s Thrift Savings Plan (TSP) as their primary retirement savings tool. The TSP is designed to serve as a 401(k)-type retirement plan for these workers. However, there are some serious drawbacks to TSPs when compared to 401(k)s, especially when it comes to their distribution ...
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  • February 25, 2019

    The Importance of Advance Directives

    Many people wait too long to create advance health directives and appoint a health care surrogate―and the results can be tragic. A recent article, by a physician, who is also a financial planner, illustrates a not-uncommon situation in which nobody wants to find themselves. The story begins with a woman suddenly ...
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  • February 19, 2019

    Closing the Donut Hole

    If you haven’t been really, really sick in the last few years, you may not have ever heard of the “donut hole” in Medicare Part D prescription drug plans. This is the common name in the medical field for an unusual coverage gap where, if you incurred $3,750 worth of ...
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  • February 15, 2019

    Are One-Percenters Rich or Comfortable?

    What would you have to make to be a one-percenter? That is, to have an income in the upper one percent of the population, in the U.S., Singapore, China, Brazil, England or Australia. The answer, of course, differs in every country. At the bottom of the scale, someone earning $81,000 ...
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  • February 06, 2019

    The Difference Between Mutual Funds and ETFs

    If you are new to the investing world, you may be wondering what the difference between mutual funds and exchange-traded funds are. While there are similarities between the two, the differences could determine whether one or the other, or a mix of both, makes the most sense for you. It’s ...
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  • January 07, 2019

    Why Now Could Be a Good Time for a Roth IRA Conversion

    Roth IRAs are one of the best gifts that Congress has ever given Americans when it comes to saving money for retirement. Contributions grow tax deferred like with traditional IRAs, but withdrawals are usually tax-free if they’re made after you turn 59½ years old. Also, there are no Required Minimum Distributions ...
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  • January 07, 2019

    The Evolution of Financial Rights and Equality for Women and the Opportunity it Provides for the Client/Advisor Relationship

    In recent years, there’s been a lot of publicity around sexual harassment, and the MeToo movement seems to have brought us to a new age for women and their ability to exercise their legal rights, especially as it pertains to the work environment.  But it is worth noting just how ...
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