What’s on our mind? You can read about it in our blog. Whether it’s ideas from the investment services world or concepts from the financial industry, you can read about it here. So keep checking in. We’re glad to have you reading along.
Presenting the LPL Research Midyear Outlook 2018: The Plot Thickens, packed with investment insightsand market analysis to guide you through all the action we may see in the year ahead.When we as investors began 2018, we were tuned in...
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Presenting the LPL Research Outlook 2018: Return of the Business Cycle, packed with investment insightsand market analysis to guide you through all the action we may see in the year ahead.“Return of the business cycle”...
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The LPL Research Midyear Outlook: A Shift In Market Control states the following four themes may be key to the markets over the balance of 2017: Monetary policy: Slow path to normalization. Maintaining economic growth without...
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Wednesday, April 26, 2017
Do you make too much income to contribute to a ROTH IRA? Maybe your accountant broke you the bad news this year during tax time. Maybe you have been in this position for a while. The strategy I am about to discuss may give you a...
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Tuesday, March 14, 2017
Many people know that life insurance is indispensable to a sound financial plan. They know this because life insurance helps towards protecting against some of the financial risks of an unexpected death such as unpaid debts, lost...
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Monday, February 13, 2017
In a sort of mental shorthand, many of us make certain assumptions regarding our financial lives. This may make financial planning –or the lack of it – a little easier, but unfortunately, these assumptions often are based...
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Heading into the New Year, we are mindful of market milestones that have come together to influence the investment landscape: a new president and administration, the stabilization of oil prices, and the end of an earnings recession....
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Though the potential for some bond market volatility in the short term exists, I don’t expect another broad-based bond sell-off (or a corresponding quick rise in rates) given that markets have had plenty of time to digest the possibility of
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Donald Trump has completed his landmark quest and will become the nation’s 45th President after a contentious and often divisive campaign. In addition, the Republican Party has retained control of both houses of Congress. This...
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Wednesday, November 2, 2016
Four years ago a Stanford University study gave a large marshmallow or cookie to four year old's one at a time. They were told that they could eat the treat now or wait 15 minutes, and be rewarded with a second. About 30% of the 600...
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Wednesday, October 19, 2016
At Financial Planning Consultants, we are always trying to improve the way we serve our clients. One of our recent efforts has focused on making completion of account paperwork faster and more efficient. To do this, we have implemented...
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Wednesday, October 5, 2016
Age 70 ½... Now What? A Required Minimum Distribution (RMD) is a calculated amount that is required by the IRS to be distributed from your retirement accounts annually once you reach age 70 ½. If you are turning age 70...
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Wednesday, September 21, 2016
As a financial advisor, I spend most of my day thinking about what my clients need to do now to prepare for their financial future. This may include purchasing insurance against future risks, starting a 529 College Savings Plan for...
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Monday, August 29, 2016
A lot has been written about how much money Americans can withdraw from their investments to fund their retirement years. The following list, which I call a “Withdrawal Hierarchy”, outlines the order in which money could be...
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Wednesday, August 10, 2016
Retirees and people nearing retirement face an increasingly complex challenge—making sure their income lasts a lifetime. Recent volatility in stock market returns coupled with historically low interest rates has caused some...
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Friday, July 22, 2016
When thinking of life insurance, many of you probably say “I already have life insurance through my employer.” This is great and much better than if you didn’t have any coverage, but is the death benefit enough to...
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Wednesday, June 22, 2016
Sometimes It’s Good to Be Average - Dollar Cost Averaging. By investing a fixed dollar amount, this strategy causes the investor to buy more shares when prices are low and fewer shares when prices are high. Dollar cost averaging can result
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Wednesday, June 8, 2016
Creating and funding a living trust has greatly simplified the transfer process. However, here are a few common areas of concern based on our experience in this area.
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Wednesday, May 25, 2016
Thirty-five years of investment experience has provided me with some important lessons about investing. Some of these lessons have been learned from experience and some have been learned by observing the mistakes of others. Of the two...
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Wednesday, May 11, 2016
Do not lump all of your debt payments into your expense category. Debt is a category all on its own and here is why: Think of debt as negative invest...
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Wednesday, April 27, 2016
Have you ever started reading an article only to realize halfway through that there is an important acronym being used repeatedly and you have no idea what it stands for or what it means? That is exactly how a conversation about...
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Wednesday, April 13, 2016
Don’t Blow Your Next Refund or Windfall. Achieving a six-figure bonus at work or winning the top prize in a professional golf tournament certainly are two types of windfalls anyone would love to get their hands on...
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Wednesday, March 30, 2016
Is Your Financial Plan Running On All Cylinders? Everyone who owns a car knows that in order to keep it running in tiptop shape, periodic servicing is required. Oil changes, chassis lubrication, tire rotation, and tune-ups are vital in...
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Wednesday, March 16, 2016
Should Grandma & Grandpa Help Save for a Grandchild’s Education? When I was a child and teenager, my grandparents would slip some dollar bills into each birthday card they sent to me. I would transfer the bills into my piggy bank...
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Wednesday, March 2, 2016
Learn about the time value of money! I can pinpoint the moment when I decided to become an investor. I was sitting in a large auditorium at Brigham Young University and my financial planning professor was teaching about the time value...
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Wednesday, February 17, 2016
New Changes to Social Security and Medicare The federal budget bill, signed into law recently by the President, includes some changes to Social Security and Medicare that will affect many Americans approaching their retirement years....
Read MorePursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big mistakes to steer clear of, if possible. No Strategy: Yes, the biggest mistake is having no strategy at...
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Tuesday, November 17, 2015
Client Appreciation BBQ at Doug's Residence/ Client Dinner with American Funds at Sheraton Mission Valley San Diego
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