Posts Categorized as Wealth Preservation

Joe Bantz, CFP®, AIF®

Blind Spots

I am currently teaching my two youngest daughters how to drive. So, yes, if you see me, I may have a few more gray hairs than before! Though my older two daughters have graduated and are fine drivers, it’s an understatement to declare that, “every child is different!” One of the hard things to learn in driving is how to “see” one’s blind spots. Learning to use one’s mirrors, leaning forward...

Read More

We recently held an event where we discussed planning for healthcare costs in retirement.  In a survey conducted by Nationwide Retirement Worldwide, 62% of pre-retirees responded that they were “terrified” of what healthcare costs might do to their retirement assets.  The point of our conversations at the event, and day-to-day with clients, is how to better manage the risks involved and, maybe even more importantly, to help reduce the anxiety...

Read More

Investors, like gamblers, have always been faced with the question, “What potential loss are you willing to endure in pursuit of longer-term gain?” Unlike gamblers, who, as a group, have a long-term history of losing to the house, stock market investors, as a group, have a long-term history of positive total returns. 2016 started out with stock market declines around the globe. There are many explanations being offered, including these:

  1. Collapsing...

    Read More

Ross Polking Thumbnail Photo

Academia and historical evidence have a wonderful way of combining to support a particular beliefs or concepts.  Diversification is a sound principle that investors may strive for, yet many fail miserably in their pursuit, due either to lack of conviction or discipline.  Dimensional Fund Advisors has drawn up another brief article soundly supporting the long-term benefits of diversification in the realm of wealth management.  As the story goes, stay diversified. [pdfjs-viewer...

Read More

Caleb Brown

Health Savings Accounts (HSAs) have grown tremendously in the last 10 years.  The basic use is to set aside money for qualified medical expenses in a separate savings account, and then use the funds as needed.  You can read all about HSAs here.  What I want to touch on is some of the major benefits and some strategies for people who are concerned about future healthcare costs. ...

Read More

Ross Polking Thumbnail Photo

For an excellent read from renowned investment guru Larry Swedroe click here.  Only argument I have is in the title.  These were lessons “re-learned” (or re-taught) in 2015, so take heed as we digest a bumpy start to 2016.  Stay diversified....

Read More

Ross Polking Thumbnail Photo

More investment “experts” than not will boldly make predictions for 2016.  The subsequent danger is that many investors will make critical decisions based on these crystal ball readings.  Some may be right.  Most will probably be wrong.  The attached article, published by Dimensional Fund Advisors, offers up ten predictions that you can count on…and we actually agree.  Enjoy the quick read below and strategize your 2016 investing approach accordingly, all...

Read More

For global stock market investors, the news from December of 2015 and the first week of 2016 has been marked by negative returns. In December, global stock markets virtually all weakened to make 2015 a marginally negative year for the majority of investors, capping off another year of historically low interest rates and sluggish economic numbers globally.

As even the most successful investors realize, negative stock market returns are...

Read More

Ross Polking Thumbnail Photo

The Standard & Poor’s 500 Index, better known as the S&P 500, is a commonly-referenced barometer for the investment world on how the overall stock market is performing.  The S&P 500 is an American stock market index based on the overall market capitalization of 500 U.S.-based publicly-traded companies.  Said another way, the larger the company, the more weight it carries in the overall valuation of the index.  According to...

Read More

Ross Polking Thumbnail Photo

investment fundamentals quiz foster group

You’ve used evidenced-based investing for your assets, you’ve maximized cash flow and minimized taxes, you’ve taken steps to protect the wealth you’ve accumulated, and you’ve put together a plan for your estate that includes a will, a power of attorney and a health care proxy. If you’ve planned well by doing all this, retirement should be a chance...

Read More