Retirement

September 28, 2020

What Should You Do About the Dominance of Large Cap Growth in Your Portfolio?

The dominance of large growth companies these past 10 years is no secret. Every day we listen to reports about Facebook, Amazon, Apple, NVIDIA, Netflix, Google, and Microsoft. But to truly appreciate their dominance in the stock market, one needs only to look at the graph below that illustrates the outperformance of Growth vs Value. The higher up on the graph, the more the outperformance of large growth companies. Today’s outperformance dwarfs the early 2000s and the 2008/9 Great Financial Crisis. Since 1995, the outperformance of growth over value has never been higher. S&P 500 Growth Value < Source: Bloomberrg Now that […]
September 25, 2020

Coronavirus Cybersecurity

Everyone knows that the coronavirus has changed how we live, work, and play. As a result, people are spending more money and time on the internet than ever before. In fact, some experts estimate that Americans are spending 30% more money online1. Meanwhile, social media, teleconferencing, telehealth, and mobile payment services are playing an increasingly important role in our daily lives. Many of us are even doing our grocery shopping online! The internet makes it easier to do more things from home than we ever thought possible. But with this added convenience comes an added risk: The risk of exposing your identity and financial information […]
January 9, 2020

What do I need to know about the SECURE Act?

Before we dive in, understand that the SECURE Act is over 20,000 words long.  (And in fact, the Senate had to tuck it away in a much, much larger appropriations bill to pass it.)  That means there isn’t room to cover every provision of the new law, and many won’t apply to you anyway.  So, what follows is a brief overview of the major changes that could affect your finances. Are you ready?  Then take a deep breath as we review…   Changes to the IRA “stretch” provisions1 For years, one of the most popular estate planning strategies was the […]
September 26, 2019

What Is Wealth Management?

Naturally, we created a mathematical formula to define wealth management. Here’s the formula: WM = IC + AP + RM Wealth Management means different things to different people. But to us, wealth management, the way we think of it starts with Investment Consulting (IC). And really, Investment Consulting deals with the number one concern that our successful clients have who want to make smart decisions about their money. Now the challenge for everyone is that 100% of financial advisors say they do this and obviously some do it better than others. In addition, we think there’s another key element called […]
August 12, 2019

What to do in retirement and why it matters

It’s finally time to retire. Now what? Do you spend time on the golf course? Are you looking forward to spending your days with your grandchildren? Do you already have a month-long vacation booked to Europe? Retirement looks different for everyone, depending on age, lifestyle preferences, and personality. Retirement is about freedom and carefree days, right? So why does it matter what you do during retirement?    The truth is that the days during your retirement matter just as much as the days preceding it, especially when it comes to your finances. Here are some tips on what you could […]
July 1, 2019

Providing for your pet: An estate plan for Fido

When you are sitting around your dinner table, having tough conversations about your legacy, your children’s future, and how to plan for what’s ahead, don’t forget about the ball of fur at your feet, waiting for the next crumb to drop! 68% of U.S. households have a pet, and as pet owners ourselves, we understand that a dog, bird, or even a herd of cats, are considered part of the family! No matter how many things Fido chews up, you love him all the same. So what does Fido’s future look like when you’re gone? Include your pet in your […]