THE PROCESS OF WORKING WITH A CFP® PROFESSIONAL The first step in a financial planning engagement is to do a thorough review to assess where you stand and then work with you to develop your personal financial goals. From there, together we make a plan designed to reach your financial goals, guide you through it… Read More The Financial Planning Process
Lately it seems as if everyone is concerned about a Recession. Investors enjoyed a decade plus of good times, but they’re smart — they know the market runs in cycles, and the good times can’t last forever. The markets have corrected at least -20%…and economic uncertainty remains globally and within this country. Whether you’re still… Read More Afraid of a Recession?
Perception, hesitation, & poor decisions are factors. Why do some people let their potential for lifetime wealth slip away? Some people are better off economically at 30 or 40 than they are at 50 or 60. In some cases, fate deals them a bad hand. In other cases, bad decisions and inaction are to blame.… Read More Being smart & affluent doesn’t automatically mean you’ll be wealthy…
Your portfolio may be designed to give you the best chance of achieving your financialgoals. Unfortunately, the market doesn’t care about your risk tolerance or your goals. The Market Has a Mind of Its Own A key characteristic of a well-designed financial plan is the consideration of market volatility— and for good reason. For example,… Read More How a Financial Plan Helps You Endure Market Volatility
The SECURE Act and CARES Act may complicate the decision. As a small-business owner, figuring out retirement choices can be a little intimidating. How do you pick the most appropriate retirement plan for your business as well as your employees? There are three main types of retirement plans for small businesses: SIMPLE-IRAs, SEP-IRAs, and 401(k)s.… Read More Retirement Plan Options for Small Businesses
Things you can do for your future as the year unfolds. What financial, business, or life priorities do you need to address for the coming year? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward specific objectives, from building your retirement fund to managing your taxes.… Read More 2020 Financial To-Do List
If you have been tuned in to the U.S. Stock Market recently you’ll notice that it has experienced a correction of -10% from the high water mark achieved in late September 2018. We have returned to December 2017 highs, effectively wiping out 12 months worth of “growth”. The last time we saw this was 2015,… Read More Market Reflections: November 2018