Archive - July 10, 2012

1
Selling A House—What I Learned
2
How Sharpe Is Your Portfolio?
3
Important Factors When Planning Social Security for Couples

Selling A House—What I Learned

I never thought it would happen. I finally sold my dad’s house. Dad passed away in November of 2010, but the house was vacant for several months while he moved in and out of hospitalizations and I was just too busy even to think about it. I had to put it on hold until March since I was studying for my CFP® exam. Shortly thereafter I broke my foot, which took me all of last summer to recover from–no stairs and no carrying. Dear daughter and I spent September through December (while in the throes of college applications) clearing out …

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How Sharpe Is Your Portfolio?

Whenever I meet with prospective clients, I usually hear the following comment “I want my portfolio to outperform the overall market, but I don’t want to take any risk.” It’s understandable; individuals want their investments to do well when the market is up, but they also don’t want to lose any money when the market is down. Unfortunately, risk and return have a positive relationship: the higher the expected return, the greater the risk. The optimal portfolio earns the maximum return with the least amount of risk, but how does someone create that optimal portfolio? One method used by professional …

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Important Factors When Planning Social Security for Couples

Planning for Social Security benefits for a couple can be complicated.  There are many factors to consider, including the amount benefits each member of the couple is entitled to at various ages, as well as the relative ages of the spouses to one another.  Other factors include whether or not one member of the couple (or both) will earn wages past age 62, as well as longevity: the potential of the couple (at least one member) living past normal life expectancy.

Longevity is one of the most important factors to consider – and for a couple this isn’t as straightforward …

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