Gold: Is it time to buy?

Gold has been the hot topic of conversation with volatility in the stock market at incredible levels this year and economic uncertainty running high.  The price of gold has risen substantially over the last few months as investor search for a safe haven for...

Should You Consider Refinancing Your Mortgage?

On July 16, mortgage giant Freddie Mac announced that the average interest rate for a 30-year home loan had fallen to 2.98% and the average interest rate for a 15-year home loan had declined to 2.48%. A 30-year mortgage at less than 3% interest? A 15-year mortgage at...

Does Diversification Still Work?

It’s no secret that investing in anything that tracks the S&P 500 Index has been one of the hottest investments over the last 5 years.  The performance of this index (made up of U.S. large company stock) is now in positive territory for the year after one of the...

Should We Sell And Go To Cash?

The first six months of 2020 saw the advent of the worst global public health crisis in a century—since the 1918 influenza pandemic. In response, the world locked down, putting its economy into a kind of medically induced coma. As a response to the pandemic, the...

Life Insurance…Do I Need It? Do I Have Enough?

A comprehensive financial plan often includes an insurance and risk management analysis.  This analysis will help define your cashflow needs and lifestyle expectations, and it will help you to determine how much (if any) life insurance you will need to meet your...

Medicare: Avoiding Extra Costs In Retirement

Many Americans rely on Medicare to pay for healthcare costs in retirement.  Medicare is a federal health insurance program for seniors and others with disabilities and certain illnesses.  There are several parts to Medicare, but we will focus on the two parts that...

Layoffs, Early Retirement Packages, oh my…….

Economic uncertainty is causing some companies to revisit and adjust their balance sheets.  Cutting expenses may involve layoffs or early retirement packages for current employees.  If you find yourself in the situation where you are presented with an early retirement...

Real Estate Update

After a shock to the stock market how is real estate holding up? So much attention has been given to the stock market over the last 90 days that I thought it would be good to review what is happening in the real estate market.  During the “Great Recession” of...