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As a financial adviser with an 80 year old mother who I helped deal with her 90 year old sister’s affairs, I’m acutely aware of the women’s retirement crisis. I was listening to Sallie Krawcheck on Morning Joe, April 27...
I have been reflecting on the plight of African American wealth and wondering whether or not an African-American financial advisor as part of the solution. Yes I am an African-American financial advisor so I may be biased. I have found that no matter the...
Many retirement do-it-yourselfers (DIY) are unaware that they might be better off hiring a retirement planning professional like a Chartered Retirement Planning CounselorSM. Retirement planning has evolved over the years. My father and mother have enjoyed a lifetime of company pensions. With a stream of...
For most of us, saving for retirement is done via some kind of employer-sponsored 401(k). We may also have an individual retirement account (IRA) of some kind. Traditionally, these are both tax deferred accounts, meaning you contribute the money income-tax free, and then pay taxes...
Getting a tax refund is exciting — who doesn’t love extra cash? But that check from the government can actually be harmful to your financial health. In fact, a refund is often a sign that something is amiss in your financial plan. The fallacy of...
Understanding the gap in what we know we should do and why we don’t do it is essentially known as behavioral finance. Having had many economics classes I have been puzzled at what some people call what a rational person would do. And who is...
Do you dream of retiring one day to a brighter future? Have you thought much about the journey, its uncertainties, twists and turns? I call that the pain. You probably need to invest in the markets to get a return to at least keep up...
Are these on your fitness list? See dentist Schedule physical Interview personal trainer Get a financial review You may have dental check-up, physical, on your fitness list, but do you include financial review? Many chronic conditions like high blood pressure are...
If you’re like many you hate the idea of a budget. I’ve heard many people find it to be constraining. However are you on track to reaching your long-term goals? Do you find yourself making resolutions that never seem to materialize? Then...
Most people I talk to haven’t taken a class on retirement planning, much less 401(k) investments like a QDIA. A QDIA — qualified default investment alternative — is where a 401(k) puts your money if you don’t select investments. Yet most employees don’t remember reading...
There’s a rule of thumb in financial media that you need a million dollars to retire. For some clients though, the idea of saving up a million dollars or more to retire sounds daunting. In my opinion, not everyone needs a million-dollar balance, and the...
One of the biggest mistakes investors can make is to invest using emotion instead of intellect. An investment policy statement can help take emotion out of the picture. In fact, it may be better named an emotional policy statement. While finance and economics are often...
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