They Should Have Learned

I believe that education helps people take control of their financial lives. However, I have learned through the years that you can’t force an education on anyone. A person must want to learn.   I don’t understand those folks who come to see me, and for whatever reason, do not want to learn anything about […]

The Fed, What Is It Up To?

How will the Fed’s decision to taper its bond-buying program again affect your financial future? Who knows.   What I do know is this. In December 2013, the Federal Reserve Open Market Committee (“FROMC”) made two very important decisions, to trim the monthly bond-buying program from $85 billion to $75 billion for January 2014, and […]

IRA Distribution . . . Just The Facts Please

If there were a fact or missing piece of information that could cost you thousands, when would you want to know about it, before or after you made a financial decision? I am being a bit flipped here but let me tell you about a call I received last week from a gentleman (let’s call […]

To Convert or Not; You Decide

Folks who know me, know that I tend to be on the competitive side. It is not surprising that I look at grocery shopping differently than most. It is not social hour to me; frankly, it is work. When I walk into a grocery store, I look at each area of the store as a […]

Kids are Expensive!

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What Do I Leave My Kids?

I have found that folks either entering retirement or currently in retirement are primarily concerned with making sure they have enough money to last until they die.  Usually, leaving an inheritance is an afterthought.  But once I explain to someone that you do not need to lose in order to gain; that actively managed portfolios […]

Efficient Market Theory – A Nobel Idea?

I was just reading about the three new recipients of the Nobel Prize for Economic Sciences. They are Professors Fama and Hansen of the University of Chicago, and Professor Shiller of Yale University. All three were awarded the Nobel Prize for their research on the movement of asset prices, such as stocks.   Let me […]

Debt – A Moral Issue

I am convinced I have Music Attention Deficit Disorder, where I can’t quite listen to an entire song, always wondering if there is a better tune on another station. I end up flipping channels every 120 seconds. Hey, that’s what those radio controls on the steering wheel are for, right?   Last Friday I appeared […]

Keeping Your Budgeting and Exercise Goals

  Merely weeks into the new year, many New Year’s resolutions are at risk of becoming little more than faint memories.  As with sticking to any kind of goal, you’ll find yourself running into all kinds of roadblocks in the first month of your effort to change old habits. What we don’t often think about […]

Do You Have Bonds in Your Portfolio? What You Need to Know

One of the reasons I love what I do for a living is that I have the opportunity to meet such wonderful folks. I am grateful for the chance to help educate those people in the different strategies to investing. Through education and guidance I hope to offer not only a solid financial future, but […]