Posts Tagged: Wealth Preservation

Ross Polking Thumbnail Photo

Baseball season is long. Major leaguers start spring training in mid-February, with a month of practices and scrimmages. Six months, consisting of a 162-game schedule, take us through the summer. Finally, the playoffs fill up October and deliver us a World Series champion by the start of November: One champion. One. Fans of one team are elated and celebrate with a trophy. Fans of the other twenty-nine teams wind up...

Read More

Moklestad Matt Profile Photo

Bonds serve an important role in the portfolios of many individuals and organizations as they provide income, liquidity, and help reduce portfolio volatility. If your financial plan warrants investing in bonds, what type of bonds should be in your portfolio? At Foster Group we focus on two primary characteristics of fixed income investments to help us answer this question – maturity and credit quality. Maturity As a bond holder, essentially you are providing a...

Read More

Kent Kramer

With five-year CD rates averaging 1.56% annually and money market annual yields remaining below 0.29% (Wall Street Journal Market Data – Feb. 22, 2018), investors continue to ask if there is anything they should do to increase the cash flows coming from their portfolios. A popular answer coming from some corners of the financial press is to seek out high dividend paying stocks. Unfortunately, this strategy for increasing cash flow may...

Read More

Ross Polking Thumbnail Photo

Investing is risky. Not investing is also risky. Right or wrong, as people contemplate their need for retirement income, many venture into the world of annuities. The promise of a stream of income when your working years are complete can be appealing and comforting. These products are often sold under the premise that they can take the risk out of investing. In reality, annuities are complex insurance vehicles that frequently come with significant fees, restrictions, and...

Read More

Scott Berryman Profile Photo

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...

Read More

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...

Read More

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...

Read More

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...

Read More