Tag: Investment Planning

A Decision Not Made is Still a Decision

Sep 6, 2019

Person with Options
Indecision can lead to no decision.

Investment inaction is played out in many ways, often silently, invisibly, and with potential consequence to an individual’s future financial security.

Let’s review some of the forms this takes.

 Your workplace retirement plan.

The worst non-decision is the failure to enroll. Not only do non-participants sacrifice one of the best ways to save for their eventual retirement, but they also forfeit the money from any matching contributions their employer may offer. Not participating may be one of the most costly non-decisions one can make. (more…)

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Tax Efficiency

Sep 4, 2019

Tax books
What it means; why it counts.

The after-tax return vs. the pretax return. Everyone wants their investments to perform well. But for many investors it’s their after-tax return that may make all the difference. After all, even if your portfolio is earning double-digit returns, it may not matter if you’re also losing a percent of those earnings to taxes. (more…)

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Do Your Investments Match Your Risk Tolerance?

Jul 31, 2019

Hand over stairs
When was the last time you looked at the content of your portfolio?

From time to time, it is a good idea to review how your portfolio assets are allocated – how they are divided among asset classes.

At the inception of your investment strategy, your target asset allocations reflect your tolerance for risk. Over time, though, your portfolio may need adjustments to maintain those target allocations.

Since the financial markets are dynamic, the different investments in your portfolio will gain or lose value as different asset classes have good or bad years. When stocks outperform more conservative asset classes, the portion of your portfolio invested in equities grows more than the other portions. (more…)

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Diversification, Patience, and Consistency

Jul 26, 2019

Clock
Three important factors when it comes to your financial life.

Regardless of how the markets may perform, consider making the following part of your investment philosophy:

Diversification. The saying “don’t put all your eggs in one basket” has real value when it comes to investing. In a bear or bull market, certain asset classes may perform better than others. If your assets are mostly held in one kind of investment (say, mostly in mutual funds or mostly in CDs or money market accounts), you could be hit hard by stock market losses, or alternately, lose out on potential (more…)

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Impact Investing: Performance, Purpose and Positioning

May 29, 2016

Light bulb with tree in the reflection
In light of your financial future. What do you see?

The phrase “impact investing” has become the lead moniker chosen to represent several purpose-driven or values-driven strategies that have evolved over the last two decades. Other names such as “sustainable investing”, “socially responsible investing or sustainable, responsible and impact (SRI)”, “corporate social responsibility (CSR)”, “environmental, social and governance (ESG)”, all seem to have been folded-up under the simple more widely accepted term impact investing. The ability to align ones wealth with their values and create a positive impact, in some form or fashion, through the deployment of their investment dollars. (more…)

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Why We Embrace Conscious Capitalism®

Apr 6, 2016

CC Principles“Conscious” Capitalism? An oxymoron it is not. It is a movement sweeping across the globe and growing in size, popularity and in the impact that it is having for those business leaders who embrace it. It, in my opinion, should become the standard by which businesses are evaluated for investment and judged in the court of public opinion for its popularity by the consumer. A bold statement indeed, and maybe one better served as a vision for an ideal world, but the pragmatic nature of its four core tenants give it great viability. (more…)

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A Lesson from Uganda

Feb 12, 2016

Surrounded by Children in Uganda
Pure Joy and Happiness

Exactly one month ago today, I returned from a 12-day trip to Uganda. While there, myself and a group of 15 others did water projects such as building a rainwater harvest tank and making and distributing bio-sand filters. The organization that hosted the trip was a non-profit based out of Boone, NC called Wine to Water. Their founder, Doc Hendley, received a CNN Hero award back in 2009 for the incredible work that he himself had done both in Darfur and Uganda. Doc has inspired thousands, myself included. The work they do at Wine to Water changes lives. In fact, it changes entire communities. They do real boots on the ground stuff, bringing clean water to those in need. They make an impact with what they do. And I’ve seen it first hand. (more…)

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Take Control of the One Thing You Can Control … YOU

Mar 4, 2014

One ball standing out from the bunch
Planning your investments

Why do we plan a vacation? Many, if not most of us, lay out meticulous plans to ensure that our trip goes smoothly. Doing so enables us to do all the things we want to do and see all the things we want to see. But what would happen if we didn’t create a plan in advance? Might a relaxing vacation turn out not so relaxing? Might a potentially great experience turn into a frustratingly negative one? Don’t get me wrong, I know some folks live for spontaneous adventure, but I can’t imagine too many of us like to travel without some sort of plan. By setting an itinerary or planning ahead many of the main aspects of your trip, you can have your expectations become a reality and help to minimize most travel snafus. We plan because there are rewards for doing it. (more…)

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Taking Out and Putting Back

Mar 4, 2014

A World surrounded by hands
Taking Care of the One World we Have

“It is every man’s obligation to put back into the world at least the equivalent of what he takes out of it.” That’s a quote from a pretty intelligent guy by the name of Albert Einstein. It is tough to challenge just about anything that came out of his mind, but it’s probably even tougher to measure what one actually takes out of this world. We spend a lifetime of taking out. But can one spend a lifetime of putting back (or giving back)? (more…)

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The Year In Review – 2012

Dec 7, 2012

How will Wall Street remember 2012?

Calendar Year of 2012
Will history repeat itself?

Stock market bears might characterize 2012 as a year of living dangerously, a year in which Wall Street coped with major risks to the American and European economies. Stock market bulls might end up remembering 2012 for what didn’t happen: Greece had resisted a temptation to exit the euro, and it looked as if bipartisan negotiation might save the U.S. economy from heading over the fiscal cliff. In late November, stocks appeared on track for some solid yearly gains.

Key economic indicators improved. The year saw major rebounds in the housing market and consumer confidence. By October, existing home sales were up 10.9% from a year ago with the median sale price at $178,600; 11.1% better than in October 2011. New home sales volume in October had increased 17.2% in 12 months, and the National Association of Home Builders builder sentiment index hit 46 in November, sharply above the October 2011 low of 17. The Conference Board’s consumer confidence poll hit a 57-month high of 73.7 in November, while the University of Michigan’s November consumer sentiment survey reached a peak unseen since July 2007 at 84.9.1,2,3

By October, unemployment was at 7.9%, down 0.4% from January and 2.3% from three years before. After a 0.2% reversal in May and a flat reading in June, personal spending increased consistently through the third quarter, albeit (more…)

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More Insights

Sep 18, 2019

Do you have an extra $33,000 to $100,000 to spare this year? How about next year, and the year after that? Your answer to these questions is probably “no.” What could possibly cost so much? Eldercare.  According to the AARP Public Policy Institute, a year of in-home care for a senior costs roughly $33,000. A year … Continue reading “Your Extended Care Strategy”

Sep 16, 2019

“Why is my portfolio underperforming the market?” This question may be on your mind. It is a question that investors sometimes ask after stocks shatter records or return exceptionally well in a quarter. The short answer is that even when Wall Street rallies, international markets and intermediate and long-term bonds may underperform and exert a … Continue reading “Your Diversified Portfolio vs. the S&P 500”

Sep 13, 2019

During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive,” and that guided how your portfolio was built. Maybe you concerned yourself with finding the “best-performing funds,” even though you knew past performance does not guarantee future results. What occurs with many retirees is a change in mindset – it’s … Continue reading “Your Changing Definition of Risk in Retirement”

Sep 11, 2019

Addressing the potential threat of long-term care expenses may be one of the biggest financial challenges for individuals who are developing a retirement strategy. The U.S. Department of Health and Human Services estimates that 69% of people over age 65 can expect to need extended care services at some point in their lives. So, understanding … Continue reading “Understanding Long-Term Care”

Sep 9, 2019

The American family with a child born today can expect to spend about $233,610 to raise that child to the age of 18. And if you’ve already traded that supercharged convertible dream for a minivan, you can expect your little one’s college education to cost as much as $198,000. But before you throw your hands … Continue reading “Getting a Head Start on College Savings”

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