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What Is a Fiduciary and Why Should You Care? Thumbnail

What Is a Fiduciary and Why Should You Care?

I mention quite a lot that I am a fee-only, fiduciary financial advisor for my clients. But what does “fiduciary” mean? When you get advice from a financial advisor, you might be receiving advice under either a suitability standard or a fiduciary standard.

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HSA – A Powerful Retirement Tool You Might Not Know You Have Thumbnail

HSA – A Powerful Retirement Tool You Might Not Know You Have

When you sign up for benefits at your company, do you have an option to choose a medical plan that has a Health Savings Account (HSA) attached? Not all companies offer these and only certain types of medical insurance plans allow them. But, if your company is one that offers these, you should stop and see if this might serve as a powerful retirement tool for your future.

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Controlling Your Financial Future Thumbnail

Controlling Your Financial Future

You have a lot more control over what your future will look like than you may realize. If you set any long-term savings goal, retirement for example, there are six basic decisions that will determine how much you will have when you need it.

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Why Invest in Index Funds? Thumbnail

Why Invest in Index Funds?

What are index funds and active funds? And which is better? Index funds are mutual funds that track a predefined basket of stocks or bonds that make up a certain asset class. Active mutual funds have investment managers that choose, buy and sell specific investments that they feel will have the best chance to outperform their index. Active funds can outperform their market index and some do every year. However, the odds of you picking the right fund(s) in advance are so low that it’s not rational to take that bet.

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How Much Value Does Your Advisor Provide? Thumbnail

How Much Value Does Your Advisor Provide?

According to a study by Vanguard, it could be approximately 3%. Is this due to the advisor choosing the right mutual funds, market sectors or individual stocks ahead of time that will outperform or by knowing just when to get in and out of the market? No.

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