10 Warning Signs Your Investment Advisor Is Leading You Astray

You know the old joke. How can you tell when a politician is lying? Their lips are moving. Of course, this isn't true of every politician—is it? But it should be a warning to exercise a rational level of skepticism when listening to the practiced words of those schooled in convincing others for a living.… Continue reading>

Sleeping And TV—How Retirees Spend Their Time?

A recent study published in The Journal of Financial Planning indicates that life in retirement includes plenty of “inexpensive leisure”. “How Retirees Spend Their Time: Helping Clients Set Realistic Income Goals” looked at the top 20 activities of middle and high-income retirees (age 50+ with at least $60,000 in household income). The research indicates that… Continue reading>

It’s Not About The Goal: How Financial Planning Has It All Wrong

Alice and John said that their goal was to travel in retirement. They laid out detailed trips to exotic locations, opportunities to explore and soak in new cultures and customs. It was clearly very high on their list. After they finished waxing poetic on their various dream destinations, we started to talk about their three… Continue reading>

So You’ve Got A Modern Family. Can You EVER Retire?

We live in an era where families are blended, extended, same sex, two-earner, one-earner, unmarried, married, remarried and otherwise combined. We have or adopt our kids older than in previous generations. And just as we are building our families, our parents and grandparents are living longer and may not have the resources to pay for… Continue reading>

Adopting A Holiday Mindset (Without Going Broke)

Holiday time, instead of promoting peace, happiness, celebration and gratitude, has become equivalent to hand-to-hand combat. We charge through the stores looking miserable, impatient and angry—definitely not in alignment with the merry jingles playing on the sound system. Or we stress out on-line, clicking our way into debt as we try to make everyone happy.… Continue reading>