Broker Check

Blog

What’s on our mind? You can read about it in our blog. Whether it’s ideas from the investment world or concepts from the financial industry, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

Monday, March 6, 2017

When Heirs are Imperfect Passing your estate to an heir with credit problems or a gambling or alcohol addiction might not only lead to that wealth being squandered, but the inheritance could worsen the destructive behaviors. Of course...

 

Tuesday, December 6, 2016

Four Reasons Millennials Need an Estate Strategy You’re young, have little in savings and likely have no one yet relying on you financially. So why do you need to think about estate management?¹ Here are four great reasons:...

 

Wednesday, November 30, 2016

Gun Ownership and Your Homeowners Policy If you own a gun, you need to consider whether you are covered in the event the gun is stolen or destroyed and protected against any potential liability should your firearm cause an injury. Gun...

 

Wednesday, June 29, 2016

As parents, we encourage our children to work so they can learn important values about work and independence. At what point, if at all, do children need to file an income tax return for the money they earn? The IRS does not exempt...

 

Thursday, June 12, 2014

It’s difficult enough to plan and save right for retirement, given today’s topsy-turvy financial markets. What’s more, it can be a bit of a puzzle in those Golden Years to come up with the right withdrawal plan.What...

 

Show All

Friday, June 6, 2014

We’ve all done it. Spent more than we wanted to all in an effort to get a great deal. With all the offers floating around promising to help you save money, here are 5 to avoid: 1. Buying in bulk. While buying in bulk can be a...

 

Thursday, May 29, 2014

This modern twist on the Ben Franklin maxim reflects the multiplicity of taxes to which earnings are subject in today’s world.¹ Finding ways to manage expenses is one of the cornerstones of a sound financial strategy.Here are some...

 

Thursday, May 22, 2014

According to a 2012 survey by the Insured Retirement Institute, the average person covered by Medicare will have out-of-pocket medical expenses in excess of $4,300 a year (or $8,600 for a couple). The same report found that 63% of...

 

Tuesday, May 13, 2014

When it comes to planning and saving for retirement, it's not uncommon to feel overwhelmed by the mere thought of the notion. While we all want to bask in the glory of an eternally comfortable golden era, getting there does require an...

 

Friday, April 4, 2014

An orchestra is a merely a collection of instruments, each of which brings a unique sound. It is only when a conductor leads them that they create the beautiful music imagined by the composer.The same can be said about your retirement...

 

Tuesday, April 1, 2014

Chris Rock once remarked, “You don’t pay taxes, they take taxes.”¹ And in that spirit, thanks in part to higher capital-gains taxes, there may be more taking in 2014.Capital gains result when an individual sells an investment for an...

 

Monday, March 24, 2014

Tip: DSIRE is a comprehensive source of information on local, state, federal, and utility incentives and policies that support renewable energy and energy efficiency. Source: U.S. Department of Energy, 2014Americans are expected to...

 

Monday, March 10, 2014

With international stock markets comprising about two-thirds of the world’s capitalization, a broad range of investment opportunities exist outside the borders of the U.S.¹For investors who are looking to diversify their mutual fund...

 

Wednesday, February 19, 2014

Whether through inertia or trepidation, investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, “Almost any decision is better than no decision at all.”¹This...

 

Tuesday, February 4, 2014

Even though the U.S. is steadily rebounding from the recession, times are still tough. According to the Bureau of Labor Statistics, the unemployment rate is still hovering around 7%. And the gap between the poverty line and the middle...

 

Friday, January 24, 2014

We hear it everyday: “I should have started saving sooner”, “I wish I would have known this when I was young”, “If only I could go back in time.” As people approach retirement they often look back at different points in their lives...

 

Friday, January 3, 2014

As time moves onward, a lot of the retirement conversation has shifted. Many discussions no longer revolve around you Baby Boomers. Now, the eyes are on the younger investors, your children. They say hindsight is 20/20, and it seems...

 

Monday, December 30, 2013

Just like any major life event, retirement will bring about a lot of unexpected changes. Many of these changes will be in lifestyle, hobbies, or location, but the most worrisome for retirees are the unexpected changes with their...

 

Tuesday, December 10, 2013

72 1024x768 If you're like most Americans, no matter how old you may be, you've had the importance of saving money beat into your head ever since childhood. Even now, as an adult, you can almost hear your parents voicing didactic...

 

Thursday, December 5, 2013

72 1024x768 In Part I of this article, we covered flight insurance, rental care insurance, extended warranties and even life insurance for children, establishing that none of these insurance policies was worth your while. In the final...

 

Wednesday, November 27, 2013

Without the ability to see into the future, we often turn to insurance to protect ourselves from the unforeseen. Since we can't predict our own mortality, we buy life insurance to protect our families' financial well being. We can...

 

Friday, November 15, 2013

If you're like most parents, you want nothing more than to provide your children with a college education. Some have been saving since before their children were even born, but more often than not, a substantial number of parents find...

 

Monday, November 11, 2013

No two individuals have the same financial woes. Not only do financial situations vary in income, debt, spending and saving habits, but they also vary in the perspectives of those individuals and how they rank their specific money...

 

Tuesday, October 29, 2013

Like most Americans, you probably have insurance on your home, your automobile, and even on your iPhone. This is great, as should something happen to any one of these high-priced commodities, you'll be taken care of. Yet alarmingly,...

 

Monday, October 14, 2013

We have all heard of the seven deadly sins, things that you should never do or you risk the harshest of punishments. But many people don’t know about the seven deadly questions, involving your investments. There are seven questions...

 

Monday, October 7, 2013

Parents spend their entire lives planning for their children’s future but, as goes the circle of life, there comes a point when that responsibility starts to shift. Many children take on the role of caretaker for their parents....

 

Wednesday, October 2, 2013

Back to School Edition – Avoiding Unnecessary Student DebtWith the Fall 2013 semester underway, having a discussion about ways to avoid unnecessary debt is now more prudent than ever. The modern university student has been saddled...

 

Friday, September 20, 2013

At times, it seems like it’s been forever since the Affordable Care Act (ACA)—more commonly known as Obamacare—was signed into law; the president’s flagship legislation raised a few eyebrows when it was first...

 

Thursday, September 12, 2013

The prospect of finally retiring can be an exhilarating one, and saying goodbye to the daily grind can be immensely gratifying. But that's only if you do it right. Overlooking even just one key component of a well-rounded retirement...

 

Friday, September 6, 2013

Looking at a chart (http://bit.ly/qSHuve) covering the performance of the Dow Jones Industrial Average over the last century is a lot like looking at a chart of profitable business earnings at a cartoon enterprise meeting--it’s almost...

 

Tuesday, August 27, 2013

It’s what every retirement planner speculates; it’s what every pre-retire dreads; it’s every retiree’s nightmare – will I outlive my retirement savings? This question sits on the minds of each and every person associated with the...

 

Tuesday, August 20, 2013

Red State of Mind: Getting out of a debtor's mindsetGetting into debt is one of the easiest things in the world for someone living in contemporary America. Every time you go shopping there will be somebody trying to get you signed up...

 

Monday, August 12, 2013

Long Term Care Insurance: The BasicsLife expectancies have exploded over the last 50 years, and for most couples, at least one spouse will survive until age 90 or older. Yet along with age comes a variety of maladies — everything from...

 

Friday, August 2, 2013

Three Lessons to give your children before college. One of the most stressful moments of a parent’s life is letting go, allowing your children to walk on their own two feet and hoping they don’t stumble and fall. This is true for all...

 

Friday, July 19, 2013

The Growing Risk of Baby Boomers and Retirement AffordabilityAfter reviewing the statistics from a recent poll by the Associated Press and LifeGoesStrong.com, it’s clear that baby boomers are beginning to realize the growing risk...

 

Monday, July 15, 2013

Summer Fun: Giving your kids valuable experience while they’re home for the summer It’s every kid’s worst nightmare, one replayed endlessly in households across the country every time summer rolls around....

 

Monday, July 1, 2013

When we put money into our retirement accounts we do so for a specific purpose: retirement.All the money you have funneled into your 401(k) is supposed to buy you that dream retirement lifestyle you spent your entire life working...

 

Monday, June 24, 2013

The Discount Myth: Dispelling the idea that spending money is saving moneyThe “savings” pumped out by our culture are all but unavoidable. Everywhere we go we’re being offered a sale on something, whether it’s the necessities of our...

 

Monday, June 17, 2013

So you've finally made the wise decision to work with an advisor. You realize that especially in today's volatile environment, hiring a professional to mind the proverbial store is certainly better than trying to master everything...

 

Wednesday, June 5, 2013

Everyone wants to be their own boss, make the rules, stop living under the proverbial “man,” but it can be a scary plunge to take. Owning your own business requires financial responsibility and risk that many people aren’t willing to...

 

Wednesday, May 29, 2013

As baby boomers who already have long-term-care insurance get older and file more claims the premiums are bound to continue to rise, and if you get into a difficult financial spot and let your policy lapse you’ve lost your entire...

 

Wednesday, May 22, 2013

You have worked hard all of your life. You have raised a beautiful family that you are proud of, and you and your spouse are finally ready to enjoy your golden years together. And yes, you have also planned and saved for these future...

 

Wednesday, May 15, 2013

With the American economy making a slow but steady recovery, it may be a good time to look at getting back into the housing market, be it finding a new home for your family or solid ground to retire on. For many, whether it be a first...

 

Wednesday, May 8, 2013

As we get older it is important to remember that the cost of aging has only gone up in recent years, and is likely to continue with the rising cost of healthcare and housing. In fact, according to a recent survey by Merrell Edge one...

 

Wednesday, April 24, 2013

In the first part of this article, we discussed several elements that often comprise the shape and tone of a retirement picture, and stressed the importance and absolute need to put some serious thought into how important each element...

 

Monday, April 8, 2013

Predicting the future is a rough sort of business to find yourself in, particularly with a world that’s begun changing more and more rapidly with every passing day. Unfortunately a lot of people on all sides of retirement find...

 

Monday, April 1, 2013

While something of a ‘wait and see’ game, the portability rules governing a spouse’s unused estate tax exemption signed into (temporary) law in 2010 were all but guaranteed to become permanent in the new year. They provided an easier...

 

Monday, March 25, 2013

Starting January 27th, 2013, savvy shoppers will have one more variable to consider when deciding where to buy their goods. This marks the first day that retailers have the right to pass the cost of using credit cards on to their...