December 30, 2019

Conflicts of interest naturally occur in business. When any form of compensation is being exchanged for a product or service a conflict could exist. 

In the financial services industry, conflicts of interest absolutely exist. When and how the conflict of interest manife...

November 3, 2019

There are many reasons to delay claiming Social Security benefits. Once we have addressed a few of the common misconceptions and cleared the air for folks they are often more openminded to hearing reason to consider a delayed strategy.

No Forfeiture Of Benefits and COLA...

November 3, 2019

When and how you claim Social Security benefits is one of the bigger decisions you will face as you transition from your working years into your post working years. For many folks, Social Security will be one of their largest retirement resources, and it's often the mo...

June 24, 2017

Should You Build On A Rock Or Sand Foundation? 


Many people are familiar with the parable of the house on the rock. Some may know it as the parable of the two builders. If you're not, the message tells of one wise builder who built his house on the...

June 3, 2017

A basic principle of investing is that you should gradually reduce your exposure to risk as you get older. Generally speaking, a younger investor has a longer time horizon and therefore can absorb more short-term investment risk. An older investor has a shorter time ho...

April 14, 2017

If you want a great return on your money you need to take on more risk. The investment firms on Wall Street have been conditioning the general public to accept this as reality for decades. There is truth to the risk reward relationship. However, there are ways to incre...

March 17, 2017

Do You Own Lazy Money?

When it comes to wealth management, money can do two things. It can earn interest, or buy stuff.

Your money can earn interest:

Your money may be lent to a financial institution and in return they pay you an interest rate. For example, a bank may acc...

January 24, 2017

What is the one big risk that Certificates of Deposit (CDs), fixed annuities, and fixed indexed annuities share? Interest-rate risk. For example, you could miss out on higher interest credited to your savings if current rates increase during the penalty period of the f...

November 4, 2016

In 2004 Morgan Spurlock released a shocking documentary called Super Size Me on the health risks of eating fast food. Although a bit extreme, Spurlock’s documentary followed him for an entire month as he only consumed fast food for breakfast, lunch, and dinner. The res...

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