Blog

I have noticed an uptick in home sales in our area.  Once again, homes are selling in my neighborhood even before they make the real estate listings.  The current national average rate for a 30-year fixed home mortgage is 4.04% as of June 11th, up from 3.87% at the beginning of the year. There are plenty of indications that interest rates will rise; exactly when, how much, and how...

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Both Foster Group and Dimensional Fund Advisors believe everything we do should focus on acting in our clients’ best interest. We have partnered with DFA since 1994 as a mutual fund provider to increase the probability that our clients will have a successful investment experience. The work DFA is doing is being noticed in the industry; Morningstar just published their updated Stewardship report for Dimensional and has upgraded them from a...

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Last July, I wrote the blog,Actively Losing,” which compared Crossfit to investing without much knowledge or the wrong kind of help. It’s not that the Crossfit program is bad, it’s whether you use good technique, the right amount of weight and follow the coaching of an expert. The same goes for investing; while the act of investing itself is not bad, doing...

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Ever wonder why somebody should hire a financial advisor – particularly in this information age when so many tools, spreadsheets, blogs, and articles are so easily accessible online? Yet Foster Group’s 97% five-year average retention rate and long-term client base argues that there is considerable value. I came across the attached article today that I thought was helpful – identifying seven...

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One of the greatest relational tools a person should have ready to use at any given moment is the tool I call the “Disruptive Question”. At first blush, it doesn’t sound too appealing, does it? But the premise behind this tool is to ask a question that causes the person you are engaging to stop and think. It is the kind of question that causes the other person’s...

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One way Foster Group looks to add value for our clients who are accessing their investment accounts for income (due to retirement or otherwise) is by optimizing withdrawals from their accounts and generating income in the most tax-efficient manner. For our clients who have the bulk of their investment assets accumulated in tax-deferred accounts (such as an IRA or 401k) there’s not much strategizing to be done – withdrawals...

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No Holding Back

Well, if you get tired of hearing us talk about timeless financial planning disciplines (aka avoiding pitfalls), then enjoy and embrace this quick read from another source.  Fantastic, simple advice we can all adhere to in bettering our investment experience while increasing probabilities for success.  No magic here.  You can do this, and we can help.  Stay diversified (#6 for those keeping score at home). http://money.usnews.com/money/personal-finance/mutual-funds/slideshows/7-bad-investing-habits-that-are-holding-you-back/1 Read More


Perspective can be defined in many ways, but when I think of perspective, I think of attitude as well. In the past year, I have known of four friends who have been diagnosed with various forms of cancer, and each of them has had a different perspective on their diagnosis.  One very good friend was diagnosed late last summer with Multiple Myeloma at the...

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I recently had a client tell me that he finally “got it.”  I asked what he meant, and he said that he had looked at a lot of retirement calculators online and wondered why our projections for distributions differed from online calculators he had tried where he plugged in a couple of numbers and it quickly spewed out the amount of income he’d receive at retirement. What he realized was...

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