Our Thinking

Traditional 401k vs. Roth 401k- Updated for 2018

May 17th, 2018

Our insights are published and featured on Investopedia. 2018 brings us new tax brackets, and thus, it’s time to revisit whether we should be using the ROTH 401k or the Traditional 401k. We have written about this subject before and as it was then, the answer remains the same, the Traditional 401k is a significantly Read more »

Is Buying or Renting a Home a Better Investment Strategy?

January 4th, 2018

Our insights are published and featured on Investopedia. Homes are both a good long-term investment and a good financial decision, right? Many people accept this as common knowledge. According to Gallup, residential real estate is Americans’ top choice for the best long-term investment. Further, according to the National Association of Realtors 2017 National Housing Pulse Survey, 84% of Read more »

Whole or Term Life Insurance? The Definitive Guide

June 1st, 2017

Our insights are published and featured on Investopedia. According to the American Council of Life Insurers (ACLI), in 2014, 63.7% of all individual policies sold in the U.S. were whole life, compared to just 36.3% of policies being some type of term coverage. Thus, we should expect that whole life insurance is the way to go, right? Read more »

8 Investing Fees That You Should Never Pay

February 7th, 2017

Our insights are published, and featured on Investopedia.  Experience is a good school. But the fees are high. – Heinrich Heine When it comes to investment management and financial planning, there are a plethora of fees, expenses, and charges to decipher. Fortunately, with a little a bit of knowledge, you can definitely know which fees shouldn’t Read more »

How to Invest During your Retirement Years

October 31st, 2016

“I am a firm believer in the people. If given the truth, they can be depended upon to meet any national crisis. The great point is to bring them the real facts.”   -Abraham Lincoln There are many ways to invest, which leads to many ways to do things sub-optimally. Unfortunately, the wide-ranging studies conducted on Read more »

The 3 Certifications that Matter

August 8th, 2016

Certifications should indicate a higher level of education and expertise, which should lead to better results for you.  Thus, it seems to wise to look for them when hiring an advisory firm. However, there are over 160 designations, so how do you pick the right ones? In our view, there are three that make a significant Read more »

How to Invest During your Working Years

April 20th, 2016

There are many ways to invest, which leads to many ways to do things incorrectly. Unfortunately, the wide ranging studies done on investor behavior and performance indicate that doing things incorrectly is the norm, not the exception. The good news is, the truth is out there, hiding in plain in sight, and if you are Read more »

Rivers Almost Never Flow In A Straight Line, and Neither Will Your Portfolio’s Returns

January 19th, 2016

As the investable world seems to get crazier and scarier with each passing year, making sense of it all can be difficult. It’s at times like these that we think it is wise to consider truth from the world around us, and how it applies to seemingly chaotic situations. Take for example, a river, when Read more »

Market Timing and Trading Frequently Significantly Impair Returns

October 14th, 2015

Many investors, professional and otherwise, believe that market moves can be predicted and that making frequent moves in and out of markets and investments will lead to greater returns.  However, the data tells a different story, which is that market timing and trading frequently are harmful to your portfolio and will significantly reduce your overall Read more »

A Retirement Spending Parable

July 30th, 2015

Three 60 year old retirees, each with $4 million, and each wanting to spend 4% of their portfolio, or $160k a year, are at dinner debating the merits of their retirement spending plans. They have invited a finance professor to judge whose plan is best. Mr. Cash starts off first, proudly stating that his money Read more »