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Make the most of your money.

Betty, one of our retiree clients, must make a pension decision soon—and she does not want any retirement income stress! She could do nothing, leave it in a fixed account with a guaranteed lifetime income, or move it tax-free to her IRA. She is confused on what is best for her future.

It is your portfolio’s asset allocation, broad global diversification, that you must be most concerned about, more than any other investment strategy or determinant—not stock picking, not market timing, not track record investing, and not costs. Brinson, Singer, and Beebower, in their 1996 “Determinants of Portfolio Performance II: An Update” research paper, confirmed their earlier research that more than ninety-one percent of your portfolio’s performance, appreciation, and growth is dependent on asset allocation. This is very important, so I’ll say it again: More than ninety-one percent of your portfolio’s returns come from prudent diversification!

The holidays aren’t happy or wonderful for everyone. 

Ladies, you could stop worrying about your investments by taking control with three Free Market steps to making better investment decisions. Stop worrying about your money not working hard enough to support your lifestyle, or missing out on the market.  

Do you have health-care or dependent-care (daycare) costs that you pay for out of pocket? Does your employer offer a Flexible Spending Account (FSA)?  If you answered YES to both of these questions then you could be saving money by utilizing your employer sponsored Flexible Spending Account.

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