What is the difference between a house and a home? A house is a structure or a shelter to protect one from the weather and a place of safety. A home is about experiences one receives living in the house, a warm environment where memories are made. The choice of whether you should finance or [&hellip More Details

An article in this week’s Wall Street Journal (see quoted below) addresses the issue of “safety” and “risk” in the stock market. Of significant importance is the “safety bucket” which is where your safest and most risk free assets are placed. I agree with this strategy and have a Video More Details

I agree with the mortgage tips from Terrance J. O’Brien. Everything he suggests is perfect, it: maximizes the value of your home preserves your cash Liquidity enables you to Use your cash when needed helps you retain Control of your money LUCK – Liquidity, Use and Control – Keep it More Details

With the average American projected to live an additional two or more years this results in huge impacts on the pension finances and creates additional risks for every individual planning for retirement. The referenced article in Pensions and Investments describes the impact on organizations that cu More Details

Have you ever returned from a doctor visit and been confused about the physician’s terminology? The financial industry has similar dynamics with its own  vernacular. To help clients decode financial jargon during our meetings I frequently pause client conversations to ask if they und More Details

“How Much to Withdraw From Retirement Savings?” –  is NOT the important question. This Forbes article discusses withdrawal rates of 4%, 2% or 3% and also 6% or 7% – in that order. It is all over the map. The KEY question is …  “When should retirement assets be withdra More Details

The recovery in the financial markets hit some turbulence in October, as investors wrestled with anxiety about increasing COVID cases. However, a surge in gross domestic product (GDP) in the third quarter may signal that the economy is on the rebound.1 Through October 28, all major indexes had mostl More Details