Avoiding the Pain of Aging

It may be impossible to entirely avoid the pain of aging – in the context of you, a family member or both. But wouldn’t it be nice if you could at least lessen the pain and stress?

man and woman sitting on bench in grayscale photography
Knowing what questions to ask and simply where to go to get started in the “home care planning process” can greatly lessen the strains on time AND cost.

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Schwab Acquisition of TD Ameritrade: What it Means to You

Amidst an already busy Fall and fast-approaching year-end there has been a piece of significant news in the financial services world: Charles Schwab will be acquiring TD Ameritrade in a $26 billion combination.

Schwab_TD
What does the Schwab’s acquisition of TD Ameritrade mean for clients and individual investors?

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What am I Saving For?

Most people would define their primary savings goal as “retirement.” …Or would they?

Of course, retirement is often a primary long-term savings goal, but not always. The definition of retirement itself has morphed over the recent decade with people living longer lives. “Retirement” encompasses more than simply stopping work and being on a “permanent vacation.”  In fact, recent research published in the Journal of Financial Planning* reports that quitting work cold turkey often is not reality – for a number of reasons.

selective focus photography of person holding the adventure begins mug
There is more to the long-term savings equation that a simple line from Point A (today) to Point B (retirement).

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We are nearing the 2019 “Tax Year Finish Line”… but there’s still time to address a handful of potentially tax minimizing items*.  One that was a major item of confusion for taxpayers in 2018 was withholding elections. Especially for taxpayers making under $250,000 (and ALL taxpayers) these elections can make a big difference between getting a REFUND** and NOT getting a refund.

IRS W4
The proper withholding election can make a big difference between getting a refund and NOT getting a refund.

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ESG Investing: Environmental & Social Good

BIG TOPIC! ESG is in the news more and more and has made its way into the world of investing. You may already have seen ESG offered in your 401k or 403b plan!

What is ESG? It stands for: Environmental, Social and Governance. Also called “sustainable investing,” the ESG category uses its three principal criteria to guide investment decisions. Funds in the category currently hold approximately $12 trillion of assets in the U.S. representing nearly 26% of the professionally managed assets as of 2017.* The obvious audience for ESG is Millennials (those born between 1981 and 1996, and aged 23 to 38 in 2019). The “millennial generation” has been known to prefer investing if “their investments [are] doing social good”* according to a survey.

women holding a planet over profit sign
The millennial generation has been known to prefer investing if their investments [are] doing social good.
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Let the Good Times Roll

Excerpts from the February 2018 Archives of TGIF 2 Minutes…

“Let the good times roll.” I am partial to this expression because my Dad used to say it a lot either as a toast or statement when things were going well.  Looking overall at the last few years’ markets, current economy and lives and businesses of clients, the expression definitely applies. 

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During good times, how extensively you plan and from whom you get your advice can greatly lessen overall worry.

But of course, there will always be something to worry about. Always. 

  • How long will these positive markets last?
  • Will my portfolio continue to gain in value? How can I best preserve all this wealth I have created?
  • How long will these economic and business conditions continue to contribute to my personal and business success?
  • Will the risks I have taken in the past few years (that have paid off) continue to yield positive results?

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More on “Free” Trading

Considering last week’s news of “free trading” (Fidelity jumped on board this week) here are two things that are NOT – and unlikely to become – free:

  • Financial Planning advice & guidance
  • Non-proprietary mutual funds trading transactions

Two very different things… but both are consistent with successful long-term financial planning and strategy. There are still far more moving parts to “free trading” so stay tuned.

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