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The 4 Biggest Myths About Life Insurance
There’s nothing exciting about life insurance…or is there?Life insurance is meant to take care of you and your loved ones. Life insurance is designed to protect your income in the unfortunate event of your passing, whether too early or...
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Take Control of Your Financial Future with These 6 Financial Steps
According to Bankrate’s 2025 Retirement Savings Survey, about 3 in 5 American workers say their retirement savings are behind where they should be. A 2024 AARP survey found that 1 in 5 adults over 50 have no retirement savings at all....
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Don’t Let Retirement Outlast Your Money
Running out of money in retirement is become one of the defining fears of modern life. According to the 2025 Annual Retirement Study by Allianz Life, 64% of Americans say they’re more worried about running out of money than dying....
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6 Financial Literacy Skills for Small Business Owners
According to the SBA’s Office of Advocacy, there are 36.2 million small businesses in the United States as of 2025, employing nearly 46% of the private-sector workforce. But for all their economic power, small businesses face serious...
Read MoreDigital Legacy Planning: A Modern Piece of the Planning Conversation
More and more, I find myself asking clients a new question during review meetings.When I sit down with individuals and families to review their plans, we usually focus on the core elements first. Retirement accounts. Insurance coverage...
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What You Need To Know About Your Cash Position But Probably Don’t
When it comes time to decide on how to structure your investment portfolio (also known as asset allocation) I suggest you begin by determining how much you don’t want in the market. This will most certainly be your most important asset...
Read MoreIRA's: Control from the Grave
Typically, financial planning does not involve dealing with the ethereal but there is a way, however, to create a “financial” ghost of yourself. Far too few people review their beneficiary designations often enough. Even fewer think...
Read MoreWhat You Really Need To Know About Your Rate Of Return But Nobody Told You
Is financial planning more of an art than a science or the other way around? An interesting thing that I experience with people is their predisposition about the rate of return on their investment portfolio. There are generally two...
Read MoreWhat Most People Need To Know, But Don’t, About Their Household Cash Flow
Similarly to the way the healthiest of most businesses are run, the income and expense picture of every household needs to be tracked, monitored and averaged. The truth is, few individuals appreciate the importance of having an...
Read MoreWhat’s Not Discussed about Roth IRAs
The truth is that contributory tax-advantaged retirement plans were created in the late 1970’s and early 1980’s under the general premise that a) our tax system is progressive (meaning that progressively higher incomes are taxed at...
Read MoreWhat Investors Should Understand About Capitalism
The reality is that while the capitalism’s past few decades has made investors out of most of us, most of us don’t know how to be investors. Being in the investment business for almost 30 years has given me the opportunity to work with...
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