Yearly Archives: 2017

By Scott Berryman of Legacy Design Strategies

Whenever I counsel physicians and families about transferring and protecting their assets in an estate plan, we always talk about a few other items that tend to be appropriate in helping them manage taxes and risk. First, I ask them if they have long-term care insurance.  If they say yes, I know they have had a conversation with a financial professional.  If...

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Moklestad Matt Profile Photo

A few months ago, our Institutional team reviewed an investment portfolio for a nonprofit that contacted us for a second opinion.  We first reviewed its Investment Policy Statement (IPS) and then began the process of analyzing the portfolio. What is an Investment Policy Statement? An Investment Policy Statement is an organization’s road map for its investments.  For example, it includes a target asset allocation, what types of assets are permitted in the...

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Laura Giles Profile Photo

Why do we, as investors, fear our financial future? Sometimes it feels we live in a world of absolutes, black and white, when one might argue there’s really all kinds of gray. Often, watching the news and listening to recent current events, we can fall victim to focusing our attention on these events in a way that can lead to fear. The news sometimes makes us feel we live in a...

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Jon Evans, CFP®, AIF®

A few years ago, our family decided to get a puppy.  Some would say that’s a great decision, while others would not (Who doesn’t love puppies?).  We thought it would be a fun addition to our family and give our kids a chance to learn some lessons in responsibility.  And learn we have! We’ve learned that legs of our kitchen chairs can be used as chew toys, socks left on the...

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Ross Polking Thumbnail Photo

We’ve all been there.  Stuck in traffic.  Blood pressure rising.  Four lanes apparently nowhere near enough to efficiently funnel all the vehicles to their intended destination.  You cannot fathom what in the world is causing this crawl of a pace.  In a desperate attempt to expedite your trip, you quickly weave into the paralleling lane that appears to be moving faster than yours.  Five seconds later, you are hitting the...

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Depending on your stage of life, current needs, or level of complexity, your financial advisor must be adept at playing a few key roles. Coach I’ve had some good coaches in my life. One of the things they did consistently well was provide highly directive leadership. They told us what we would be doing in practice. They told us what we would be doing in a game. They told me what I...

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By Monte L. Schatz of  Vandenack Weaver LLC

When the topic of estate planning comes to mind, most individuals think about the distribution of their assets at death.  The increased longevity of our population requires equal attention to diminished cognitive skills caused by dementia or other diseases that affect normal cognitive functioning. Dementia is a syndrome in which there is deterioration in memory, thinking, behavior and the ability to perform...

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Joe Bantz, CFP®, AIF®

Semper Paratus

Photo Source: https://upload.wikimedia.org/wikipedia/commons/thumb/5/57/Seal_of_the_United_States_Coast_Guard.svg/1024px-Seal_of_the_United_States_Coast_Guard.svg.png

Semper Paratus. Always Ready. The motto of the United States Coast Guard makes an excellent guide for each of us financially, as well. Be ready – be prepared for any circumstance. Financially, this starts by building and maintaining an emergency fund –easily accessible funds set aside to meet unexpected expenses. I, like many of my clients, like to do this via...

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Joe Bantz, CFP®, AIF®

Devotion to Duty

Photo Source: https://upload.wikimedia.org/wikipedia/commons/thumb/5/57/Seal_of_the_United_States_Coast_Guard.svg/1024px-Seal_of_the_United_States_Coast_Guard.svg.png

The United States Coast Guard is a branch of the military that is often overlooked by us Iowans. This is understandable, given our significant lack of coastline that requires guarding! But recently, I spent time on campus of the Coast Guard Academy, and discovered the rich heritage of this proud military force. Founded in 1790 by Alexander Hamilton and...

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