Blog (IF Advice)

4Q 2016 Market Review
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4Q 2016 Market Review

Looking at broad market indices, the US outperformed both non-US developed and emerging markets during the quarter. US and non-US real estate investment trusts (REITs) recorded negative returns and lagged the US and non-US equity markets. The value effect was positive in the US, non-US, and emerging markets. Small caps outperformed large caps in the […]

Third Quarter 2016 Market Review and Presidential Election Portfolio Advice
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Third Quarter 2016 Market Review and Presidential Election Portfolio Advice

For the 3rd Quarter of 2016, looking at broad market indices, emerging markets outperformed all other equity markets during the quarter. The US equity market lagged developed markets outside the US. US real estate investment trusts (REITs) recorded negative absolute returns and lagged the US equity market. The value effect was negative in the US […]

Taking the Easy Road Can Destroy your Retirement Savings
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Taking the Easy Road Can Destroy your Retirement Savings

What is more devastating to your 401K plan? Taking a loan from your 401K account Cashing out when switching jobs and paying taxes and penalties It has been debated over the years, but we now have an answer.  Studies by the EBRI (Employee Benefit Research Institute) points out there are cases where two-thirds of the […]

Are Target Date Funds Right for You
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Are Target Date Funds Right for You

Today I was reading an article about 5 Things you may not know about your 401(k) plan.  In the article the 3rd issue listed was ‘Target date funds aren’t always on target’   I was just talking with a client about #3 : “Target date funds aren’t always on target’ the last week. Posted by Stalwart […]

Is now a good time to be in the market?
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Is now a good time to be in the market?

Can you help me time the market?  This is a question I got recently.  Those of you who have been viewing my blogs already know my answer to this question, but for those of you who are new sit back and listen to my rant.   I do not think I or anyone else can […]

Income Stream through Laddering
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Income Stream through Laddering

Are you looking to create a steady stream of income during your retirement? If so, building a bond ladder might be for you. You can build a simple bond ladder by purchasing government, municipal, corporate bonds or certificates of deposits (CDs) over a consistent period of time (example 5 years). You might be one of […]

A Retirement Income Secret?
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A Retirement Income Secret?

What if I told you I knew a secret method to increase one of your retirement income sources by 76%?  What if I told you, the increase from this secret method would last a lifetime?  Next if I added in the tidbit that all you had to do to get the extra money was to […]

Why Fee-Only Should Matter to You
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Why Fee-Only Should Matter to You

Have you ever felt like someone had their hands in your pockets taking some of your hard earned saving dollars away from you?  This uneasy feeling you were having could be more real than you think.  And on top of this, it could be coming from an unexpected source.  It could be your financial advisor.  […]

Is Your Retirement in Focus?
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Is Your Retirement in Focus?

Is the retirement you desire in focus?  In other words, do you have a clear picture of what is needed to achieve your desired retirement?  Let us be honest with ourselves, many Americans do not have a retirement plan.  They just plan to continue to work until they cannot work anymore.  We both know that […]

Are You Pressing Your Luck?
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Are You Pressing Your Luck?

Do you remember a game show called “Press Your Luck”?  As a youth growing up, I can remember being on summer break from school and coming inside from playing with my neighborhood friends and watching “Press Your Luck” on the only TV we had in the house.  This was back in the day before every kid […]

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