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...

Roth IRA Conversion in the Era of COVID-19

Is it right for you? The COVID-19 pandemic has shaken up nearly every aspect of American life. To say it’s been a difficult time would be an understatement. However, difficult times may open doors to new possibilities. Businesses are changing their ways of operating,...

Economic Update

Sudden market downturns can be unsettling. But historically, US equity returns following sharp downturns have, on average, been positive. A broad market index tracking data since 1926 in the US shows that stocks have tended to deliver positive returns over one-year,...

Long-Term Investors, Don’t Let a Recession Faze You

In the past century, there have been 15 recessions in the US. In 11 of them, stock returns were positive two years after the recession began. With activity in many industries sharply curtailed in an effort to reduce the chances of spreading the coronavirus, some...

6 Ideas To Bridge The Cash Flow Gap

It is common to compare market movements to the ebb and flow of the ocean tide (which we are temporarily missing while our beaches remain closed).  These are certainly unchartered waters!  Please continue reading for ways to help you navigate through the uncertainty....

Portfolio Analytics Update

While it’s never fun to watch your investments go through declines, our recommendation is to follow the plan that we put in place for you and not let your emotions take over and derail your long term goals.  The reason for this advice is that, on average, 5 years...