I’ve written multiple times about a technique that allows your portfolio to last much longer by using a “buffer asset” during times of poor market performance. They say that a picture is worth a thousand words.  That’s why I like this recent whiteboard video that explains the concept in more detail (and more). I think they do a good job of making the concept easy to understand. If you have any questions, please feel free to contact me. … [Read more...]

You may have already retired, but I bet you or someone you know wants to know the answer to these questions… “How much is enough for retirement?” “Am I financially ready to retire?” If so, we recently completed our “Ready to Retire” scorecard.  It takes just a couple of minutes and helps you determine where you stand in regard to the 8 keys to begin ready to pull the trigger. Here is the link to get started: If you or someone you know would benefit, you can take it, or … [Read more...]

I hope that each one of you is healthy and sane during our current environment. I know that many who are still working have been significantly impacted by either reduced horse or even job loss.  Although it may not be top of mind to you, in the event of a separation from service, you do gain a unique opportunity to improve your company retirement plan investments. Company retirement plans have limited options, but rolling funds into a self-directed IRA account opens many new … [Read more...]

Every year the Social Security trustee’s issue a report of the health of the trust fund and when it is estimated to be depleted.  They recently issued their report for this year, which showed signs of improvement, with one caveat…. Article Link: https://www.marketwatch.com/story/the-new-social-security-trustee-report-may-show-signs-of-improvement-with-one-major-caveat-2020-04-22 If you have any questions, please feel free to contact me. … [Read more...]

Do you remember what happened in 2008 to Home Equity Lines of Credit for those who were needing them?  That’s right...the banks closed them.  There is a much better alternative as a backup source for liquidity and reserve in an emergency. See below for a reprinting of a recent article by Don Graves: JPMorgan Chase just announced they're no longer accepting applications for Home Equity Lines of Credit. No doubt other banks will follow suit with even greater measures! But … [Read more...]