James Brewer
Misunderstood Student Loan Repayment Issues Most of our clients have a professional degree gained from going to college. Unfortunately, many people, not coming from wealthier families, found themselves needing to take on student loan debt to fund their college education. It is so easy to simply sign the document saying that you will repay those…
James Brewer
The Power of Compound Interest One of the most compelling reasons to start investing early is the power of compound interest. Compound interest is the interest earned on the initial investment as well as on the accumulated interest. In other words, when you invest, your money can grow exponentially over time. To illustrate this point,…
James Brewer
Unfortunately, our children do not get a financial education while in high school. Those who go on to get a college education will only learn about finance in certain classes they take, and more specifically, through the degrees they earn. Most families don’t talk about money either. Today, most people want to talk about sex…
James Brewer
Singing the investment returns blues? Your investment returns aren’t performing as well as you planned? Does your Morningstar investment rating show 5 stars, but your actual investment returns only show 1 star? You might need a better investment returns recipe! Not too long ago, I looked at a client’s portfolio and found a gap between…
James Brewer
More and more investors are now seeking sustainable investing opportunities, including ESG investments. Once upon a time, sustainable investing meant a strategy that held up against the test of time. These days, sustainable investing focuses on environmental, social, and governance (ESG) factors when selecting investments. This is also called socially responsible investing (SRI) and…
Sarah Grillo
Ethical financial advisors are on the rise and are now doing things within their businesses with the hope to serve as an example of the right behavior for the rest of the industry to follow. I’m tired of the nonsense “top advisor” lists based on AUM or how many Twitter followers somebody has. I feel…
Here is my case about why an investment fiduciary advisor will not always meet your best interests. The meaning of fiduciary is a little more complicated than asking this simple question, “Are you a fiduciary?” I understand why someone would ask that question! But the meaning of fiduciary is a little more complicated than that…
James Brewer
As a CERTIFIED FINANCIAL PLANNER™ (CFP®), I often hear from millennial women, “But Mr. Brewer I don’t have any money to invest!” But I usually respond with, “Could there be funds available that you just don’t know about?” Let’s examine what might be going on. Credit cards make spending money easy but without making us think much about…
James Brewer
Values based financial planning is about pursuing financial goals based on your values. Unfortunately, way too many people just do not take the time to sort out what matters to them! Believe it or not, what most people get when it comes to creating the traditional financial plan is someone else’s idea of what your values…
James Brewer
Are you inadvertently harming women’s equity with your investing strategy? If you are investing to get the returns of the S&P 500 without considering how these investments affect women, then the answer is yes. Of the approximately 5000 stock indexes available in the U.S., the most widely known and followed is the S&P 500. The…
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