Blog

We are big believers in life insurance and its role in creating a successful financial plan.  However, selecting the right type of insurance can make a huge difference in creating wealth over time.  

When we walk into a bank and want to invest our money safely by buying a CD (thereby lending the bank money for a fixed time period), we expect a higher interest rate for a 10 year loan than a 2 year because we’re giving them our money for a longer time period.  In the same way, we as borrowers pay a higher interest rate for a 30-year mortgage than a 15-year.  It’s normally the same way for government bonds (loans to the US government).  Today, for the first time since 2007, that expectation is not the reality.  Investors now get a lower rate of interest on 10-year government bonds than 2-year bonds.  That has traditionally been a bad sign for the economy - an indicator of a possible recession coming in the next year or two.

There is a little-known strategy in working with your company’s retirement plan that may allow you to save significant amounts in tax on your retirement savings.  

“The best time to plant a tree was 20 years ago. The second-best time is now.” – Chinese Proverb.  Meet Sam Saver. Sam is 14 years old and just finished 8^th grade.

Many investors are attracted to high dividend yield stocks for the income they produce. 

Happy Spring! We hope you’re enjoying this warmer weather as much as we are!

Stock market crashes are tough.  Most of us will spend our entire working career saving money for retirement, investing a lot of that savings in the stock market.  Why the stock market?

Retirement!  You have made it!  No more PSSAs or Keystones, no more repeating directions 12 times, and you can go to the bathroom whenever you want!  

If you’ve been following the financial news recently, you may have heard the term “fiduciary”. It became a popular buzz word when the U.S. Department of Labor proposed new regulations (called the “Fiduciary Rule”) on investment advisors in April, 2016.

Have you ever asked, “Why does this have to be so complicated?”.  All too often, we meet with people who have been sold expensive, complicated financial products that they really don’t need.