Posts Categorized as Wealth Preservation

Jon Evans

We are on the cusp of my favorite time of year - football season.  I have loved the game of football since I can remember.  The strategy behind different schemes and formations, the physical challenge, and the deep level of trust among teammates developed throughout a season.  Ultimately, football is a team sport.  Successful teams work together like a well-oiled machine and understand the importance of each position. One of the...

Read More

Lead Advisor Jon Evans Asks, lead Advisor Phil Kruzan Answers

1. We have been hearing a lot about the term “fiduciary” in the news media recently, can you shed some light on why this is an issue? In our industry, I think we have done a really good job of confusing the public by using sophisticated terms, words, and phrases about financial products and financial instruments. There are two distinct...

Read More

Joe Bantz, CFP®, AIF®

As a financial advisor, I talk about money all day long…and it doesn’t stop when I get home! Since our girls were young, my wife and I have been intentional about teaching and training them on making financial decisions. What we discovered over the years are two significant truths:

  • The best way to learn to handle money is have your own money to handle.
  • The best way to learn to...

    Read More

Here’s why we care about a fiduciary standard and why all investors should as well. When receiving financial advice would you rather have a financial advisor guide you in way that is always in your best interest or something less? The Department of Labor recently published a rule requiring financial professionals and companies who provide investment services to retirement plans to operate according to a fiduciary, or, in common language, a...

Read More

Ross Polking Thumbnail Photo

The U.S. Labor Department shook up the retirement plan landscape in early April. They ruled financial advisors managing retirement accounts must adhere to a “fiduciary” standard of care. The enforcement date will begin January, 2018, and, in typical government fashion, it took them nearly 1,200 pages to spell out all the guidelines and parameters. In simpler terms, all those in the business of providing advice on how to invest...

Read More

“It’s tough to make predictions, especially about the future.” Yogi Berra A Yogi Berra quote may seem a bit too lighthearted as an opening thought regarding the momentous “Brexit Leave” voting result and the immediate reactions, financially and politically, around the world. Though the quote is humorous, the point is an important one for investors to consider. Reliably predicting future events has been hard to impossible in the past, and there...

Read More

One of the biggest risks facing retirees in the medical profession is sequence of returns risk.  This is the risk that, early in retirement, returns of an invested portfolio are very low or negative, even if long-term returns meet initial expectations.  Generally, during those first few years of retirement, retirees have the most dollars they’ll ever have working for them and they are likely spending at relatively high levels since...

Read More

In mid-May, a quick review of the Wall Street Journal revealed the average yield on a five-year CD was 1.26% and the ten-year US Treasury note was yielding 1.85%. These low rates can lead investors to seek higher returns in other places. Two especially popular ones are longer-term bonds and high-yield bonds. While there may be a place for these in your portfolio, the age old warning, “caveat emptor” or buyer...

Read More