Financial Advisor & Retirement Planning

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,…

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