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,…

    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)

  • 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…

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