My name is Kristi Sullivan and I have been helping people achieve financial security since 1996. I am a fee-only financial planner and public speaker. I do no investment or insurance sales for commissions. My clients pay me for guidance through their financial questions. I also work with employers to educate their employees about personal finance. I have been helping people make financial decisions for 18 years. I have worked in employee benefits and with individual clients/families. I hold the Certified Financial Planner designation. Sullivan Financial Planning, LLC is a Registered Investment Advisory firm with the State of Colorado. Areas of expertise include prioritizing savings goals, investment allocation, and wealth manager searches.

Regret Theory

“Regret theory suggests investors who sell at the wrong time and miss out on gains experience regret that affects their judgment, leading to subsequent market-timing mistakes,” says Sarah Newcomb, behavioral economist for research firm Morningstar and author of the book “Loaded: Money, Psychology, and How to Get Ahead Without Leaving Your Values Behind.”   Reading…

Three Reasons Why Roth Conversions Don’t Make Sense for Retirees

There is so much talk, writing, podcasting, etc. on Roth conversions these days.  Ultimately, I don’t feel doing Roth conversion (or not) will materially impact the retirement cash flow of 90% retirees.  It might affect their estate plan, but that’s another blog for another week.  Specifically next week.   Here are three reasons I think…