Archive - March 5, 2013

1
Two Disclosed And One Hidden Cost Of ETFs
2
Surviving The Seasonal Stress Of Filing Taxes
3
3 Tips To Balance Retirement And Education Savings When You Have A Child
4
Is Long-Term Care A Women’s Issue?

Two Disclosed And One Hidden Cost Of ETFs

Mar 05 2013
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Matthew J. Illian, CFP®, AIF® All posts from Matthew J. Illian, CFP®, AIF®
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Exchange-traded funds (ETFs) are a cost-effective way to build a well-diversified portfolio, but don’t just assume that all are inexpensive and diversified. Warren Buffet has been known to warn novice investors with a poker analogy. Buffett shares that if you don’t know who the patsy is after 30 minutes of playing, you’re the patsy. Those who fail to do their homework will pay the price.

ETF market share has doubled in the last five years during the same period that mutual fund market share has been relatively stagnant. Although ETFs are generally cheaper and more tax-efficient than mutual funds, it’s …

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Surviving The Seasonal Stress Of Filing Taxes

Mar 05 2013
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Kimberly J. Howard, CFP®, CRPC®, ADPA®

Kimberly J. Howard, CFP®, CRPC®, ADPA® is the founder and owner of KJH Financial Services in Newton MA and Denver CO. She enjoys helping clients explore and achieve their life goals through effective comprehensive financial planning.

Kimberly holds a Master of Science degree in Computer Science Information Management from Boston University. She earned a Bachelor of Science degree in Mathematics and Physical Education from Stephen F. Austin University in Texas. She attended Boston University for her Certification in Financial Planning and H&R Block for Tax Preparation Certification.

Kimberly is currently an adjunct faculty member at MetroState University where she teaches General Financial Planning Principles, Income Tax, Retirement Planning and Estate Planning. She is a past adjunct faculty member at Boston University and The College for Financial Planning.

Kimberly is a member of the Financial Planning Association (FPA) and The National Association of Personal Financial Advisors (NAPFA). She was named to the Metropolitan Who's Who Among Executive and Professional Women. She is an expert Advisor for Nerdwallet, BrightScope, Morningstar, and FiGuide.

Kimberly promotes a life planning approach with a balanced work/life style. She is active in sports including cycling, golf, skiing, and hiking.

All posts from Kimberly J. Howard, CFP®, CRPC®, ADPA®
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It’s often said that the winter holidays are the most stressful time of year, but I bet anyone who has to file an income tax return could easily argue against that contention. With mounting anxiety, Americans often procrastinate for weeks or months before rushing around to collect all the necessary paperwork they need to file. Finally they sit down to face the task – often unaware of which way their return will fall. Will they owe this year or get a tax refund?

The economic demands of our day make this season of stress even more challenging for many. With …

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3 Tips To Balance Retirement And Education Savings When You Have A Child

Mar 05 2013
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Alan Moore, CFP®, MS

Alan is passionate about providing individualized financial advice to individuals and families, regardless of their net worth, income or investable assets. An educator at his core, he strives to serve as his clients’ guide, available to help with the sometimes stressful or exciting financial situations that life inevitably brings.

Alan is the founder of Serenity Financial Consulting, which he started after noticing the lack of hourly, as-needed financial planning advice available to consumers. With experience working in several nationally recognized firms including Kahler Financial Group and Financial Service Group, Alan combines his industry experience and technical knowledge with his entrepreneurial spirit and penchant for teaching others to create a refreshing style of truly personal financial planning.

Alan is a Certified Financial Planner™ professional and Certified Retirement Counselor™. He earned his bachelor’s degrees in Family Financial Planning and Consumer Economics and his Master’s Degree in Family Financial Planning from the University of Georgia. Driven by his desire to educate, Alan also taught undergraduate financial planning courses while in graduate school.

Alan prides himself on being active in his community and feels privileged to have served in the Georgia National Guard for four years before receiving an honorable discharge. Originally from Georgia, Alan now lives in Shorewood with his wife Melissa, and enjoys taking advantage of the abundance of activities that Milwaukee has to offer.

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New parents often wonder how they are going to balance saving for their kids’ college education and their own retirement. There isn’t always enough money to fund all of their goals, and they are looking for a way to prioritize their savings.

I recently wrote a guest post on the 3 tips to help you strike a healthy balance between retirement and education savings when you have a child. The post first appeared on The Virtual Attorney‘s blog.

#1: Fully Fund Your Emergency Fund

I know what you’re thinking… what do cash reserves have to do with retirement OR …

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Is Long-Term Care A Women’s Issue?

Mar 05 2013
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Danielle L. Schultz, CFP®, CDFA

Danielle L. Schultz, the principal financial planner of Haven Financial Solutions, is a CERTIFIED FINANCIAL PLANNER™ (CFP®), a NAPFA-registered Financial Advisor, and a Registered Investment Advisor in the State of Illinois. She studied financial planning at Northwestern University’s Certified Financial Planner™ certification program. She also holds a Series 65 license (Registered Investment Advisor Representative) and a CCPS (Certified College Planning Specialist).

She writes a regular column for Better Investing magazine and is currently working on a revision of their mutual funds handbook. In addition to academic training and professional experience, Ms. Schultz has personally managed Social Security, Medicare, retirement and long-term care issues; college funding concerns; and cash flow and transition planning in self-employment and divorce situations. Her social work background gives her an innovative perspective on financial planning issues; for her, financial planning is not only about money, but also a key component in a satisfying and well-lived life.

All posts from Danielle L. Schultz, CFP®, CDFA
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It’s a pretty good bet that if you read a daily newspaper (some of us still do!) you’ll see at least one scare article per week about how much health care is going to cost you in retirement. Now, these articles have always mystified me, because almost anyone who can afford it is purchasing “medigap” insurance, and anyone who isn’t probably doesn’t have enough money to be worth collecting against. Agreed, there’s a lot of stuff Medicare doesn’t cover, but the medigap stuff, IMHO, has been pretty good.

Of course, there are some things that medigap doesn’t cover either—extensive therapy, …

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