Financial Advisor & Retirement Planning

3Q 2014 Market Review Recap

  • By Nicholas Economos, CRPS® The editorial mission of the Fiduciary Advisor blog, and all of our FFP University publications, is to help investors translate the latest market news from a fiduciary perspective — putting their needs first on an active basis. Our quarterly market review webinars are a big part of that. We know that many of our clients don't have time to view the recent Q3 Market Review webinar, so I’ll summarize the key points here. And we’ll try to do this…

    Q3 2014 Market Review

  • About this webinar A live webinar on Q3 2014 capital market performance. A global overview will be discussed, as well as the returns of stock and bond asset classes in the US and international markets. Recorded Oct 16 2014 | 42 mins Presented by John Eberle, Nicholas Economos, John Hillman

    The Longevity Risk of Extended Care Needs — What’s Your Plan?

  • By John Hillman, MBA, CFP®, ChFC®, CLU®, CLTC Planning how you will make up for any potential shortfalls from reductions in Social Security and Medicare benefits is critical to minimizing longevity risk. My inaugural post for The Fiduciary Advisor went into some detail on this. Another key longevity risk factor to plan for is extended care. If there is at least some risk that you might live long enough to become frail or cognitively impaired — and therefore need the…

    Retirement Funding Risk & Working Longer as “Plan B”

  • Our post for The Fiduciary Advisor briefly discussed funding risk and the fact that most Americans do not adequately contribute to their retirement plans. Funding risk is simply the risk of not having enough money with which to retire. Your contribution rate is very important, but your growth rate, and distribution rate when you eventually stop working, also factor into the equation. Not long ago, the majority of private sector employees had a defined benefit pension with a professional manager…

    Longevity Risk & Social Security — Pay More, Get Less

  •   By John Hillman, MBA, CFP®, ChFC®, CLU®, CLTC In our last post for The Fiduciary Advisor, we went into detail on investment risk. Another major retirement risk that has increased for many individuals is longevity risk. Simply put, longevity risk is the risk that payout levels are higher than expected due to increasing life expectancy trends. Knowing how much longevity risk you are taking on and how to best mitigate it is a crucial component of fiduciary financial planning. Social…

    Avoiding Investment Distractions & Reactions with Fiduciary Advice

  •   By Nicholas Economos, CRPS® In our inaugural blog post for The Fiduciary Advisor, we discussed how the risks of the American retirement crisis call for fiduciary advice — financial guidance that puts investor needs first by law. In this post, we’ll explore investment risk in more detail. Investment risk can be thought of as simply the risk that an investment’s actual return will be different than expected. As investment decisions have largely shifted from professional pension managers to individuals,…

    2014 Halftime Market Review

  • About this webinar Provocative "financial entertainment" such as CNBC often distracts investors with its anxious and confusing 24/7 news cycle. Our quarterly market review webinars aim to help FFP clients break through market noise to gain perspective on market movements. Please join us for a live webinar on Q2 2014 capital market performance. A global overview will be discussed, as well as the returns of stock and bond asset classes in the US and international markets. Recorded Jul 17 2014…

    The Fiduciary Advisor: Fiduciary Financial Advice Simplified

  • The daunting risks of the American retirement crisis call for fiduciary financial advice — financial guidance that's legally obligated to put investor needs first. In 1983, 62% of private sector employees had a defined benefit pension plan. In 2010, that number was down to 19% as corporations moved to defined contribution plans like the 401(k). Financial planning risks that were largely handled by professional pension plan fiduciaries have almost entirely been handed over to individuals. Many of these individuals are…

    WHAT EUGENE FAMA’S 2013 NOBEL PRIZE MEANS TO YOU

  • Financial markets seem to be more confusing than ever. A valid question is, “do they need to be?” A significant announcement was made recently, about a 2013 winner of the Nobel Prize in Economics. A University of Chicago professor, Eugene Fama, was awarded the Nobel Prize for his work regarding the ‘Efficient Markets Hypothesis’ that he began back in the 1960’s, as well as his work on “market-capitalization and ratios that compare book value to market value are highly predictive.”…

    PAY ATTENTION

  • By: John Hillman, CFP®, ChFC®, CLU, CLTC On January 2, 2013, Congress passed the American Taxpayer Relief Act. It was named for the majority of Americans for whom a 2% restoration of the payroll tax is burdensome. If that was a modest tax increase for you, then you will want to read what follows. Let’s take a look at a few examples from this latest tax law. Estate Taxes Congress made “permanent” the $5 million exemption from federal estate taxes.…

    The Three “C’s” of Wealth Distribution Planning

  • By: John Hillman, CFP®, ChFC®, CLU, CLTC There are three, and only three, possibilities of what will happen to the wealth you have accumulated, and they all begin with the letter “C”: Your wealth will be consumed by you, and perhaps by a spouse or partner, as the primary beneficiaries of your fiscal success, and/or Your wealth will be confiscated primarily through the payment of taxes, and/or Your wealth will be contributed–given voluntarily to people or to organizations That’s it.…

    THE STOCK BOND DECISION

  • By Nicholas Economos, CRPS® Choosing a basic stock-bond mix is an important first step in portfolio design. Although the decision may appear simple, it can have a profound impact on your wealth.Portfolio theory explains the value of making a deliberate, strategic decision about the proportion of stocks versus bonds to hold in a portfolio. This decision has roots in the “separation theorem,” which was proposed by Nobel laureate James Tobin in the late 1950s. The separation theorem proposes that all…

    PLANNING FOR EXTENDED CARE

  • By: John Hillman, CFP®, ChFC®, CLU, CLTC If you know that you will never live long enough to become frail and to need assistance with the normal activities of daily living, and if you know that you will never suffer from dementia or Alzheimer’s no matter how long you live, then you will not find this article to be helpful to you because you will never need a plan for extended care during your lifetime. If, on the other hand,…

    Q1 2014 Market Review

  • About this webinar A live webinar on Q1 2014 capital market performance. A global overview will be discussed, as well as the returns of stock and bond asset classes in the US and international markets. Recorded Apr 23 2014 | 38 mins Presented by John Eberle, Nicholas Economos, John Hillman

    NAVIGATING STRUCTURED PRODUCTS

  • In recent years, structured products have gained favor among retail investors in Europe and the US. Investment banks promote these securities as sophisticated tools to help investors manage downside risk, enhance returns, or achieve other investment objectives. Sales have grown briskly since 2006, and despite a decline after the 2008 market crisis, some industry sources expect a rebound in sales and a flurry of new products in the future.1 With this in mind, it may be useful to understand how…

    The New Way to 401(k): A Personalized Fiduciary Approach

  • About this webinar There’s a retirement crisis in America, and the statistics are grim. Most corporations moved to 401(k) plans as pensions proved to be too costly. But now these costs have been moved to employees who are burdened with more risk than ever. And employees rarely have the same level of expertise as professional pension plan managers. A little known option in many plans — the self-directed brokerage account — provides a new way to 401(k). Please join us…

    THE NEW WAY TO 401(K)

  • By Nicholas Economos, CRPS ® Let’s start with a simple fact. There is a retirement crisis in America, and the statistics are grim. According to the Center for Retirement Research, 62% of private sector employees had a defined benefit pension plan in 1983. In 2010, that number was 19%. Workers didn’t have to figure out the mechanics of saving, investing and then distributing their income during retirement. Their pension plan did this for them. DOWNLOAD PDF to read more.

    WILL YOUR MONEY BE SAFE WHEN THE NEXT CRISIS HITS?

  • Over the last four years, the American financial system has lost several of their largest financial firms. In the wake of multiple crises, it is important to consider, “what have I learned?” Failed financial firms have a couple of things in common: They make bad loans, and/or They make bad trades in their own account (proprietary trading) DOWNLOAD PDF to read more.

    HIRING A FINANCIAL ADVISOR: ARE YOU ACQUIRING AN ASSET OR A LIABILITY?

  • Good News: We are all living longer. A newly retired, 65 year old couple in the US will live more than 20 years, far longer than it was just a few decades ago. Bad News: Many of us will not have enough money to retire comfortably. In addition, we are told not to count on traditional pension plans, Social Security, or Medicare. The need to invest wisely is more important now than ever. DOWNLOAD PDF to read more.

    IS GOLD WORTH ITS WEIGHT IN A PORTFOLIO?

  • IS GOLD WORTH ITS WEIGHT IN A PORTFOLIO? During a weak global economy and uncertain financial markets, many investors tout the benefits of holding gold. Some proponents claim that gold deserves a significant weighting in most investors’ portfolios. Gold’s often-cited portfolio benefits include a strong long-term return, a hedge against inflation, and safe haven during turbulent times. But does the evidence build a case for holding gold as a separate asset class? Let’s look at historical returns for the answers.…

    AN UNHOLY ALLIANCE: GOVERNMENT AND BIG BANKS

  • American business. It used to be,and still most often is, about hardworking men and women who put their time, money and energy at risk running companies. Entrepreneurs start businesses, and those businesses either succeed or fail, based on fair competition. But there is one industry that does not play by these basic rules, and that industry is American banking. The megabanks, the ones that failed, took risks. Big risks. But unlike most businesses, they had a safety net called the…

    Q4 2013 Market Review

  • About this webinar A live webinar on Q4 2013 capital market performance. A global overview will be discussed, as well as the returns of stock and bond asset classes in the US and international markets. Recorded Jan 25 2014 | 38 mins Presented by John Eberle, CFA; Nicholas Economos, CRPS®

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