Investments

Why Do I Need A Financial Planner?

Why Do I Need A Financial Planner?

When it comes to your own money, it is almost impossible to be objective. The powerful emotions of fear and greed create a powerful dynamic that often leads to sub-optimal investment behavior.  Even financial planners are best served by having someone else manage...

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Invest or Pay Off House?

Invest or Pay Off House?

We must first acknowledge that this is a personal choice and that everyone has a different situation. Currently, I have a 30-year fixed-rate mortgage at 2.75%.  I do not plan on ever having an additional premium payment because I believe that I can earn a rate of...

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The Case for Dividend Growth

The Case for Dividend Growth

It is great to have passive income. Even better, it is great to have increasing passive income. Stocks with dividend growth potential can help to provide just that. For illustrative purposes, I share with you the example of Hershey. Currently, Hershey has a 2%...

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The Million Dollar Question

The Million Dollar Question

Consider this extreme example. You have won a special lottery of $1,000,000.  You have 2 choices: 100% of the proceeds go into an S&P 500 Fund and you can receive the dividends annually.  The dividends today are 1.4% of $14,000.  At the end of 10 years, you would...

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Does Your Portfolio Align With Your Dreams?

Does Your Portfolio Align With Your Dreams?

Consider the family that has a dream to be financially independent in 10 years. Through careful precision, their financial planner determined that their magic number was $1.5 million. Currently, they have $800k saved and are committed to saving $36k/year or $3k/month....

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What Portfolio is More Diversified?

What Portfolio is More Diversified?

I think most people would agree that being diversified is a good thing. Maybe it was a grandparent that told us not to put all our eggs in one basket. Diversification does not necessarily mean having a lot of mutual funds or ETF’s. Portfolio A could be a single stock...

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The Big Drop is Coming..

The Big Drop is Coming..

Yes, the big drop is coming, but the big drop is always coming! There is no reason to try to guess when the big drop is coming.“More money has been lost anticipating the correction than the correction itself.” – Peter Lynch What can I do to prepare for the “Big Drop?”...

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Stock Ownership: The Big Picture

Stock Ownership: The Big Picture

Is “noise” keeping you from investing? I believe far too much energy is spent trying to decipher which investment vehicle to choose. There is an infinite possibility of investment choices (individual stocks, UITs, active funds, index funds, sub-accounts, or ETF’s)....

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graphic 10 actions to take

10 Actions To Take 10 Years Before Retirement

In this paper we discuss 10 actions you should take to develop and deploy a successful long-term wealth plan. It will help you make decisions about your financial journey today and well into your retirement chapter.

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