James Brewer
I’ve been reflecting on the plight of African American wealth and wondering whether or not an African American financial advisor is part of the solution. Yes, I am an African American financial advisor, so I may be biased. I have, however, found that no matter the race of my client, by finding shared experiences I…
James Brewer
Investing has always been considered a “secular endeavor,” while Biblically Responsible Investing (BRI) has been largely ignored. Before I became an investment adviser, my wife’s retirement plan advisor to us, “make money and give it to charity later.” What he didn’t understand was that, to me as a Christian (and African American male), issues of…
James Brewer
How does financial planning work with values integration? The question of personal values comes up daily. As Americans, we believe in life, liberty, and pursuit of happiness. We live by our personal values! We also encourage religious freedom. Yet somehow, when we start talking about money, the foundation of personal values goes away. It’s rarely…
Most of us hate uncertainty. Unfortunately, picking investments almost always involves uncertainty. This is obvious if you review the long list of investments available to include in, say, a 401k investment menu. That’s because while you can look at the past performance of each investment, you ultimately have no way of knowing which investments will…
James Brewer
Some people are shocked when they hear what my financial advisor fee is. Some of those people have 401(k) accounts or IRAs where they pay commissions. However, they don’t know what share class means nor do they have an idea of how much they actually pay in commissions. Some people have paid investment professionals investment…
James Brewer
The term financial plan gets thrown around casually these days. The term financial advisor is, believe it or not, equally applied to insurance agents, stockbrokers, investment adviser representatives, and those with advanced designations such as the Certified Financial Professional (CFP®). That said, some financial planners will deliver, what I call, “an assessment that does not…
James Brewer
Are your social concerns incorporated into an impact investing plan for your retirement or other long-term goals? Maybe you have had no training in investments. Or perhaps your first introduction was the enrollment meeting for your 401(k). And maybe you saw many investments with unfamiliar names, and then you scanned the investment returns tables and…
James Brewer
Most people haven’t taken an undergraduate class on investing, much less 401k investing. When the 401k was introduced, it had a limited number of choices. Then, due in part to technological advances, the number of choices began to balloon. I have seen one plan with 150 choices for busy attorneys. I doubt they had a…
When it comes to retirement income, a lot of people worry about running out of money as they age. On the other hand, when retirees are set up with fixed-income strategies (via a pension or annuity) they’re often working on a budget, which creates some risk if you go on a spending spree in retirement. …
Some people are shocked when they hear my transparent, financial advisory fee. Some of those people have 401(k) accounts or IRAs where they pay commissions. However, they don’t know what share class means nor have an idea how much they pay in commissions. Some have investment professionals who charge investment advisory fees. I have not…
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