1. The Blended Retirement System Rolls Out

    How does the BRS differ from the LRS? The U.S. military has made a major change to its retirement program. Many active duty, Reserve, and National Guard members are eligible to choose between two retirement savings and pension options: the new Blended Retirement System (BRS) and its predecessor, now…Read More

  2. Comprehensive Financial Planning: What It Is, Why It Matters

    Your approach to building wealth should be built around your goals & values.  Just what is comprehensive financial planning? As you invest and save for retirement, you may hear or read about it – but what does that phrase really mean? Just what does comprehensive financial planning entail, an…Read More

  3. The Wild Ride of Bitcoin

    Who knows what it will be worth next year – or next week. The ups and downs of bitcoin have amazed investors. Back on April 1, 2017, one bitcoin was valued at $1,089.51. Five months later, the price had risen to $4,950.72. On December 16, the price hit a historic peak at $19,343.04.1 With the pric…Read More

  4. Keeping This Correction in Perspective

    After 20 months of relative calm, this volatility needs to be taken in stride. Are you upset by what is happening on Wall Street? It may help to see this pullback within a big-picture context. Corrections have become so rare as of late that when one occurs, emotion threatens to influence investment …Read More

  5. Women Need to Take Charge of Their Money

    Why do so many of us delegate financial responsibilities to others?    Many women are in charge of their financial lives, and proudly so. Some have become their own financial captains as a result of life events; others have always steered their own ships. Even so, there are too many women who are …Read More

  6. Tax Deductions Gone in 2018

    What standbys did tax reforms eliminate?                           Are the days of itemizing over? Not quite, but now that H.R. 1 (popularly called the Tax Cuts & Jobs Act) is the law, all kinds of itemized federal tax deductions have vanished. Early drafts of H.R. 1 left only two …Read More

  7. Who Needs Estate Planning?

    Who Needs Estate Planning? Why it is so important and not just for the rich. You have an estate. It doesn’t matter how limited (or unlimited) your means may be, and it doesn’t matter if you own a mansion or a motor home.  Rich or poor, when you die, you leave behind an estate. For some, this ca…Read More

  8. Active & Passive Investment Management

    Active & Passive Investment Management  What do each of these terms really mean?  Investment management can be active or passive. Sometimes, that simple, fundamental choice can make a difference in portfolio performance. During a particular market climate, one of these two methods may be widel…Read More

  9. The Major Retirement Planning Mistakes

    The Major Retirement Planning Mistakes Why are they made again and again?                          Much has been written about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Aside from these blunders, there are also some classic fin…Read More

  10. Think Total Return

    Think Total Return Never touch your principal in retirement? Think again. More than a century ago, an American financial archetype emerged – the household that lived on the interest earned by its investments, never touching its principal. Times have changed. While the Vanderbilts, Carnegies, and R…Read More