Markets Reward Discipline
Although markets reward discipline, there are times that can be harder. Markets Reward Discipline 2022: The US and global stock markets have been performing at a loss recently. There’s been economic and geopolitical turmoil in every region, hence the market losses. Stock markets have been perceived as ‘overpriced’ and ‘ready for a correction’. And while […]
Betterment or Financial Planner?
Investors are discovering automated investment services such as Betterment. And as a result, they’ve been asking me questions about them and their benefits. The pitch for these services is compelling: Using algorithms designed to optimize the performance of a investor’s portfolio, the automated investment services posit that they replace the value of a fee only […]
What To Focus On When The Markets Goes Down
Stock market losses can be a distraction. What should be the focus when the markets go down?
Mastering Your Spending Once And For All
The toughest part of most people’s spending plan is mastering spending. Discretionary Spending Discretionary spending is spending on stuff and activities that we want but don’t need. This can be the hardest part of spending to master. Eating out. Movies. Travel. Entertainment. Shopping. Mementos. Hobbies. Gifts. Home Furnishings. Toys. Cable. Electronics. So, how do you […]
Indexed Universal Life Insurance and Investment Only Variable Annuity
New types of life insurance and annuities are now available. Two of them are ‘Indexed Universal Life Insurance’ and ‘Investment Only Variable Annuity’. Life Insurance and Variable Annuities Life Insurance and Annuities come in many different compositions and can play an important part in a client’s life. Unfortunately, they can also be incredibly confusing and […]
How Focusing on Your Balance Sheet Will Lead To Spending Less
Focusing on how your balance sheet can help you spend less helps you reach your financial goals.