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

  • April 23, 2019

    IPOs Are Hot — But Should You Invest in Them?

    Initial public offerings, or IPOs, seem to be all the rage among investors so far this year. In the last few months, Lyft, Pinterest, Uber, and Zoom all debuted on the public market by offering shares of stock for sale to public investors. Expedia and Airbnb are also expected to ...
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  • April 22, 2019

    When Should You Consider an IRA Charitable Rollover?

    Have you ever wanted to make a major charitable gift? Would you like a federal tax break in acknowledgment of that gift? If so, an IRA charitable rollover might be a good option. If you are age 70½ or older and have one or more traditional IRAs, you may want to ...
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  • April 16, 2019

    Planning to Retire Within the Next 5 Years?

    What should you concentrate on as the transition approaches? You can prepare for your retirement transition years before it occurs. In doing so, you can do your best to avoid the kind of financial surprises that tend to upset an unsuspecting new retiree.   How much monthly income will you need? Look at ...
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  • April 10, 2019

    Teaching Your Heirs to Value Your Wealth

    Some millionaires are reluctant to talk to their kids about family wealth. Perhaps they are afraid of what their heirs may do with it. If a child comes from money and grows up knowing they can expect a sizable inheritance, that child may look at family wealth like water from a ...
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  • March 25, 2019

    A Potential Social Security Fix

    We’ve been hearing for years that the Social Security fund will run out of money in 2034, and a close reading of the Social Security Administration’s Trustee Report projections ( show what exactly this would mean. By that time, based on estimates of the number of people earning an income ...
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  • 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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