We are in the depths of despair. Okay, maybe not despair, but the depths of the winter blahs at the very least. You may be fantasizing about an escape to warmer climes soon. Fear not, the opportunity is coming. For parents, Spring Break offers an obvious time to plan a beach vacation. Even if you…
Well, in reality, they are here. RoboAdvisors, that is. Over the last few years, people in my industry have made a big deal about selling the services of their RoboAdvisors or hand-wringing that RoboAdvisors are the death knell of human financial advisors. First, let’s clarify what a RoboAdvisor is. And is not. RoboAdvisors offer…
As a financial adviser, it’s a balance between convincing you to save for the future and not being such a total nag that you don’t enjoy your life. That said, the estimated $20 billion expected to be spent on Valentine’s Day gifts does give me pause. Here are the Hallmark Cards I wish were…
And just like that it seems we go from embarrassing, misspelled, grammatically incorrect tweets which just irritate both allies and haters to real missiles being launched at our enemies and friends. Among other worries, you might wonder how the U.S. getting involved in an armed conflict could affect your investments. As always, when predicting the…
Remember that icebreaker game, Three Truths and a Lie? You give 4 facts about yourself and the group guesses which one is the lie? I am a horrible liar (good news for those of you who are my clients!) and my life is so boring it’s a tough game for me to play. Today,…
We are into the misery of winter now. Short, cold days, runny noses, and lumpy sweaters make you long for a beach vacation. But what if you could put that vacation money to use in your investments? What kind of companies profit from cold weather? Remember, this blog is not investment advice, but some…
After being stuck in the Senate for over 6 months (thanks, as usual, Ted Cruz!), the Setting Every Citizen Up for Retirement Security, aka the SECURE act, was finally signed into law at the end of 2019. What does it mean for you? Here is a very quick summary with bonus snarky commentary:…
Yes, a recent blog was just making fun of New Year’s Resolutions. But the new year does feel like a good time to embark on fresh starts, be it health, relationships, or money. I can only help with one. Resolution #1 Ignore all economic forecasts, prognostications, tea leaf reading, crystal ball predictions and financial…
Ah, the New Year. Time to start fresh and do all the things you meant to do last year. If one of your promises is to laugh more (a good vow if ever there was one) look no further than your clever friends on Twitter. “My new year’s resolution is never to be on…
Just a quick reminder for those of you aged 70 ½ and over who are also charitably inclined: There is no better way to gift from a tax standpoint than directly out of your Traditional IRA. Why? Money that comes straight from your IRA to a 501©(3) charity never hits your income for taxes. This…
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