Archive - 2017

1
Keeping Your Portfolio “Balanced”
2
The Softer Side of Estate Planning
3
Creditor Protection for Retirement Plan Assets
4
Financial Literacy: Credit Cards and Holiday Shopping
5
Growth Funds Should Be Part of Your Portfolio

Keeping Your Portfolio “Balanced”

A 60-second read by Victor Cannillo:  If your goal is to invest over the long-term, totally avoiding a sector solely on the basis that it has recently performed well would not be prudent.  Long-term investors should identify a globally-diversified strategy, spread across many sectors, that is risk appropriate and helps them achieve their goals.   At … Continue reading Keeping Your Portfolio “Balanced” Read More

The Softer Side of Estate Planning

We’ve said before that estate planning is not just for those with great wealth. it is for anyone who will leave loved ones behind and who has an interest in having a say in how the resources they leave behind are used. Estate planning is more than just numbers. It sets guidelines for care of dependents and distribution of assets.

While a Fee-Only financial planner can help you figure out how to reach financial goals that include leaving resources to help care for yourself and others, it helps if you know your personal stance on a number of issues. Some …

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Creditor Protection for Retirement Plan Assets

In this day and age with bankruptcies on the rise, quite often this question comes up:  are my retirement plan assets protected from a creditor? And of course, there are two ways you can take this – are the assets protected from a creditor of my employer; and are the assets protected from my personal creditors?

Employer Creditors

Your vested qualified retirement plans (401(k), 403(b), etc.) are always protected from creditors, in the event that your company should declare bankruptcy. Vested retirement plans are your property (*upon distribution), not the property of the employer.  The same is true for vested …

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Financial Literacy: Credit Cards and Holiday Shopping

According to U.S. News and World Report, holiday shopping tests your financial literacy. Don’t let the desire to get just the right thing for someone you care about blind you to how retailers and credit card companies find ways to make more money or to how you can save on your purchases.

Black Friday Bargains? Whether you monitor things yourself or you use apps that track prices, make sure you are getting the best price for big-ticket items. The article notes that last year, WalletHub research indicated “…about 17 percent of items were actually more expensive on Black …

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Growth Funds Should Be Part of Your Portfolio

I’ve had some great conversations with clients recently and wish to take this time to explain a bit about growth stocks. In particular growth mutual funds.

 “Send your grain overseas, for after many days you will get a return. Divide your merchandise among seven or even eight investments, for you do not know what calamity may happen on earth.” Ecclesiastes 11:1-2

U.S. growth stocks are certainly one of the seven or eight investments I usually recommend all clients have in their portfolios. By definition, growth stocks make up about half of the S&P 500 index. In fact, about half …

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