If you want to improve your investment decisions, you need to quantify the impact of those decisions. That’s where attribution analysis comes in.
How are your Investments Doing – Benchmarking Portfolio Performance
Recently a client asked how his portfolio was doing, and my answer was that he was doing well because the portfolio return over the last decade was above the return target he had established in… Read More
Rainy Days and an Emergency Reserve – Funding for the Unexpected
One of the most common questions we get from clients is how to handle an emergency reserve. If clients have an emergency reserve, questions typically center around how much they need and how it should… Read More
Plan for a Bear Market – How to Stay on Track (and Sleep Well)
Bear markets are part of investing, so you should plan for them. Here are a few things you should do.
A Financial Planning Checklist to Start the New Year
The New Year offers an opportunity to take care of financial housekeeping and making slight adjustments can be necessary given IRS-driven changes. Here is a financial planning checklist to walk through at the beginning of… Read More
What to Do About Rising Long Term Care Premiums
One of the more common questions I’ve gotten from clients over the past few years is whether or not they should maintain their long-term care coverage. The question isn’t surprising, both because carriers have increased… Read More
Holding the Line on Holiday Spending
One of the primary reasons I wanted to put a budget in place was for Christmas. After the fifth delivery on December 23rd, I realized we had a problem – or at least I had… Read More
Leaving Federal Service: Financial Issues to Consider When Taking a Job Outside the Government
One of the primary reasons clients begin working with us is job change. Beyond just a change in employer, there is usually a change in salary, benefits are different and you’ve got to decide what… Read More
Preparing for an Unexpected Death: Steps to Take Now
A lifelong friend of mine recently passed away, and it was a sudden and totally unexpected death. As a financial advisor, I deal with the possibility of death all the time. In the hundreds of… Read More
How to Maximize Happiness: A Few Ways Money Can Make You Happy
We’ve all heard the adage that money can’t make you happy, but most of us realize that’s not quite true. If you don’t have enough to cover the necessities, more money will most certainly have… Read More