Monthly Archives

January 2014
Posted By: CFP&WM On: Jan 3rd, 2017 In: Money Matters Comments: 0

5 Reasons Why You Shouldn’t Use Yelp to Find Advisors

Yelp is a very popular online site where consumers post ratings based on their personal experience of retail stores, restaurants and service providers. The simplicity of the site is that if you see that 200 people had been to a particular restaurant and each had a very good experience, there’s a good chance that you will have a favorable experience

Posted By: CFP&WM On: Jan 21st, 2016 In: Money Matters Comments: 0

8 Questions to Ask Yourself Before You Invest

As a financial planner and fiduciary investment advisor, I work with people with varying goals and vastly different levels of education, income, assets and comfort with technology. I’m often worried by similarities I see among investors of all stripes.

Many people simply have no plan when they start investing. Others follow the latest hot investment tips from a stranger online, …

Posted By: CFP&WM On: Jan 11th, 2016 In: Money Matters Comments: 0

REITs: Most Investors Don’t Own This Top Performer

Investors realize that the markets’ performance over the past year wasn’t anything to write home about. But there was one “jewel” of an asset class over the past year ending September 30, 2015. Unfortunately, most investor did not own it.

Below are the past year’s returns for some of the major asset classes.

REITs: Most Investors Don’t Own This Top

Posted By: CFP&WM On: Jan 7th, 2016 In: Money Matters Comments: 0

What Investors Should Know About Buying and Selling ETFs

*Published on NerdWallet
By Michael Chamberlain

Exchange-traded funds, or ETFs, have become an increasingly popular investment choice. But many investors are more familiar with mutual funds, which hold the lion’s share of retail investment assets.

Both funds are baskets of securities that are selected and maintained based on a particular management formula or strategy. And while both mutual funds …

Posted By: CFP&WM On: Jan 20th, 2014 In: Money Matters Retirement planning

When Should You Claim Your Social Security Benefits?

I would like to be able to say that there is no right or wrong answer to this question and that the answer was dependent upon your own needs, but the truth is that the wrong answer could cost you and your spouse tens of thousands of dollars over your respective and collective lifetimes.

Social Security is the federally maintained …

Posted By: CFP&WM On: Jan 25th, 2013 In: Investing Money Matters

Time for High Dividend Paying Stocks? Not so Fast

Thanks to the Federal Reserve’s commitment to ultra low interest rates, bond yields are now near historic lows. While some investors might be tempted to consider dividend-paying stocks as a way of generating income, before you decide to jump on that bandwagon there are three key points you need to reason through first:


When a company …

Posted By: CFP&WM On: Jan 5th, 2011 In: Money Matters

Do Your Finances Need a New Years Resolution?

Most New Year’s resolutions are often about exercising more and or eating better in order to lose weight or get fit. It is easy to jump on the scale and see we gained a few pounds, or that the belt needs to be let out two holes compared to last year and a change is in order.

For other parts

Posted By: CFP&WM On: Jan 3rd, 2011 In: Money Matters

Americas New Retirement Reality: Decreased Retirement Expectations

Americans are more pessimistic about their future retirement than in the past.

Due to the weak economy, high unemployment, market volatility, national debt, the underfunding of Medicare and Social Security, and the decline in the use of traditional pensions, Americans are coming to understand the new reality of retirement. “We will not have the income for the retirement dreams we

Posted By: CFP&WM On: Jan 27th, 2010 In: Investing

Dollar Cost Averaging: Facts and Myths

Most everyone has heard the term “dollar cost averaging” (DCA) as a way to invest money into the market. Unfortunately, there is much misunderstanding about the topic including the validity of the process.

Let’s look at an example of DCA. Lets say you just inherited $20,000 and you decided to invest it in the stock market. Once you have determined …

Posted By: CFP&WM On: Jan 20th, 2010 In: Financial planning General info Investing

California Dept. of Corporations Has "Must Read" Publication

In over 25 years for helping people to preserve, protect and grow their assets, many publications have crossed my desk. All were designed to help those approaching or in retirement. Perhaps the best one ever is from the Ca Dept of Corporations and is free. “Protect Yourself from Fraud” is easy to read, well written covers a large variety of …