The Eventual Recession Since early last year economists, market experts, and even corporate CEOs were predicting a recession for this year. Most of them said it would happen early in the year.1 A recession was the consensus view among experts, almost a foregone conclusion. With inflation surging to 9% last summer and the Fed aggressively…

How to Avoid A Retirement Crisis Are your concerned about how to avoid a retirement crisis for yourself? How can you avoid a retirement crisis and make sure you have options? Financial Planning = Options The iterative process of financial planning is designed to provide optionality and think through various ideas to build your confidence…

Danger: Headlines Ahead Mark Twain said, “Never let the truth get in the way of a good story.” It might be more applicable today if he said, “Never let the truth get in the way of a good headline.” Headline Characteristics The purpose of headlines is just to get you to click or tune in.…

Acting Like an Investor Many investors today unknowingly act like speculators. How do I know this? Because they are more concerned and influenced by short-term stochastic changes in stock prices than in the underlying fundamentals of a company. And when coupled with a barrage of negative news stories, it can be very difficult to act…

Oh snap! Your ‘advisor’ doesn’t do retirement planning after all. It’s an unsettling feeling to learn your Financial “Advisor” doesn’t do retirement planning. What does that mean? Have you ever wondered about the following topics? -When to claim Social Security benefits? -How does healthcare work before Medicare at age 65? How does it work after…

When Less Can Give You More We are generally in the pursuit of more. More income, more recognition, more opportunities, more happiness etc.… Because “more” often results in desirable outcomes, it is natural to think in terms of what we can get or do more of, rather than what we can do less of. But…

The Paradox of Investing How do you “feel” about your investment portfolio? Did you know that your feelings can often be an inverse indicator when it comes to investing? The Meaning of Feelings and Investing What does it mean when you feel the worst? What does it mean when you feel the best? Learn about…

What Game Are You Playing? How do you think you would do playing tennis and using a golf club, instead of a racket? Or driving down the basketball court wearing hockey skates? Using the wrong equipment for the game we are playing will negatively affect our performance. The same thing can be said for investing.…

Why Don’t We Pile Into Alternative Investments? Have you seen advertisements for “alternative” investments during this current year market decline? Should you be selling existing investments and piling into “safe alternatives” when you see your account balances at lower values? How “Safe” Are These Alternative Investments Really? Enjoy this video on how to view and…

Resolutions and Habits As New Year’s Day is now in the rear-view mirror, we can surmise that people are struggling to keep their resolutions. Indeed some may have already given up, perhaps with a determination that next year will be the year. A long-term study by the University of Scranton found that less than 10%…