Think Twice About Fixed Index Annuities

April 15, 2018

It seems the hottest topic in financial advice these days is Fixed Indexed Annuities. The pitch promises asset protection on the downside, some stock market participation on the upside, and an eventual lifetime income stream – if you choose to attach a costly income rider.

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Vote Proxy for Diversity

April 4, 2018

It’s proxy season. As America’s public companies send out their annual reports, and ask you to vote your shares in the way they recommend, you get a chance to voice your opinions. Individually, you might not have much of a voice in corporate governance.  But collectively, shareholders can and do make a difference when they vote their proxies.

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Financial Aid Award Letters

March 28, 2018

In the coming weeks, millions of college freshmen will know the joy of acceptance and the agony of money as they figure out whether they and their parents can afford the college of their choice.

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Investors Beware — Fiduciary Rule is Dead

March 18, 2018

Investors beware! An appellate court just ruled that the Fiduciary Rule is dead – before it was even fully implemented in an attempt to protect your retirement savings.

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Investigate Your 40l(k)

March 14, 2018

After nine years of a bull market, your 40l(k) retirement plan is likely your largest financial asset, perhaps even dwarfing the value of your home. Yet, while you pay attention to home repairs, you many not spend much time inspecting your retirement plan. For sure, you should be contributing the maximum to get your employer’s matching contribution.  Yet many people miss out on this free money.

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Don’t Get a Tax Refund

March 6, 2018

Everyone loves getting a tax refund. That’s strange, since a refund means you’re essentially getting back your own money. A tax refund is a result of overpaying your taxes to the government along the way, likely by having too much money withheld from your paycheck.

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Plan for 2018 Taxes Now!

February 26, 2018

As you settle into the project of doing your 2017 taxes, it’s a good time to look ahead to the return you will file next year at this time. Some of the changes in the tax laws create opportunities for tax savings —if you start now.

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The Dollar and Your Future

February 21, 2018

We live in dollars, spend in dollars, and make financial plans in dollars. But what will your dollars be worth in the future, when you plan on spending them?  That’s not an idle question, even though we have few alternatives to using dollars for all our plans.

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Your Risk Appetite

February 14, 2018

The Stock Market is Getting Interesting!

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Acorns Online Financial Education

February 6, 2018

One of my favorite financial websites is There you can register your credit and debit cards, so that all of your purchases are automatically rounded up a few cents to the nearest dollar. And when all those little cents reach $5, the money is automatically transferred from your registered checking account into an investment portfolio, featuring five choices that range from conservative to aggressive.

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