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Investing Basics

June 6, 2021

Thinking of Taking Out a 401k Loan?

We’ll review when it may be good to consider a 401k loan, and when you may consider not taking a 401k loan as well as various pros’ and con’s to consider. Once you have all the data and determine how it may impact you, then you can make an educated decision on whether or not […]

July 7, 2020

Financial Advisers Have Your Best Interest at Heart. It’s Now the Law.

The rule change specifically requires brokers to put the interests of their customers before their own, disclose to customers how they are paid, if they have any disciplinary history and disclose any conflicts of interest that create incentives for them to distribute certain products. Most of you reading this probably already thought your investment guru […]

April 16, 2020

How to Teach Your Kids About Money: Part II

Now more than ever, it’s important that we set aside time to talk to our kids about money. Every day our kids are picking up mixed messages of intermittent panic from the news, dealing with sudden social distancing, adjusting to life without school, and their entire life changing for them without notice. As parents, it […]

March 30, 2020

Balancing Your Investments in Times of Turmoil

There is some newfound financial uncertainty given the new realities created by the COVID-19 virus. It’s critically important to pause and evaluate your money situation. I understand the alarm looking at an investment account statement that suddenly plunged, or worrying about cash flow over the coming months, and we work to provide sage guidance through […]

December 19, 2019

How to Detect and Avoid Email Scams?

The most common type of fraud is called “Phishing”, a social act in which the sender tries to impersonate a legitimate service or company to gain either your personal information or access to personal websites. This is accomplished by the fraudsters creating identical websites to the legitimate ones and prompt you to “update” or “verify” […]

September 10, 2019

Should You Lease or Buy Your Next Car?

First, let’s look at your options: Option #1: Buy New  New cars are expensive, the average new car is $36,000. Most people can’t pay cash for that new car and would need to finance the purchase. That average car over a six-year term at 3.25% interest would be about $551.00/month (for a total cost of […]

July 29, 2019

How Not to Financially Ruin Your Kids

Whether you have asked your advisor or not, if you are a parent, you undoubtedly thought about the best way to educate your children about the value of money. Thank you to my favorite millennial, Brett Carlin, for contributing to this article. Start early The best way to set your kids up for financial success […]

May 7, 2019

Is There Really Such a Thing as Free Trading?

Furrow your brow and get ready to dig into the fine print because if you find something that is truly “FREE” that is in any way related to Wall Street, you will need to take the time to understand exactly how fees are extracted. But wait – have you seen anyone tout free trading? Well, […]

April 2, 2019

Portfolio Rebalancing: 3 Reasons It’s Important

Understanding your allocation is fundamental to understanding your risk and ultimately how much downside you are willing to accept versus potential downside should the stock market sell off. Here are three key reasons to look at your portfolio and why you should periodically rebalance it: Sell what has gone up the most and readjust the […]

March 26, 2019

Tax Loss Harvesting: Why Bother?

At any age people hate losing money and love talking about their winning investments. I’ve practiced in the financial services industry for more than 20 years and I am amazed at how many stories I’ve heard about “the best trade I ever made” or “how much money was made on a once in a lifetime […]

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