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How Much is Enough?

Financial Education, Investment Education, Personal Finance, Retirement Savings, UncategorizedBy Kristi SullivanJune 7, 2021

To continue the theme – or maybe you call it a months’ long rant – about why Robinhood/Bitcoin/Reddit, etc. cloud the concepts of real, grown-up investing, I’d like to show an example of rates of return and life.   Scenario:  Joe is 40 years old and has $500,000 saved for retirement.  Good job, Joe!  Joe…

The Tortoise (Diversified Portfolio) vs. The Hare (Bitcoin)

Financial Education, Investment Education, Personal FinanceBy Kristi SullivanJune 1, 2021

I’ll try to make this concise:  This clamor for Bitcoin/Game Stop/SPAC returns and shunning of traditional investment portfolios is nothing new.  See my 5 Famous Bubbles Blog for a reminder.   What seems to get lost in all the clamor of investing for the biggest returns (damn the torpedoes, etc.), is WHY are those returns…

Summertiiime…And the Financial Planning is Eeeeasyyyyy

Personal FinanceBy Kristi SullivanMay 17, 2021

No, the title is not a typo.  Click here if you need a reminder of a classic tune.   Now that you are singing, here are three reasons why summer is a great time to do financial planning.   Financial advisors are not under the gun for any tax deadlines (year-end activity, tax filing business)…

Three Tips in Three Words for When the Stock Market Drops

Investment Education, Personal FinanceBy Kristi SullivanMay 10, 2021

When is the best time to plan for a stock market dip?  When the stock market is going up.  No fancy language today!  Just three easy reminders of what to do when you see your account balance take a big hit.   Don’t Do Anything Buy More Stocks Call Your Advisor   Repeat that 9-word…

Three Ideas for Charitable Gifting

Financial Education, Personal FinanceBy Kristi SullivanApril 26, 2021

The bad news is, well, there is a lot of bad news.  The good news is that when there is a lot of bad news, Americans can be counted on to step up and help each other.   Our intentions are good, but are we gifting the best way?  Sure, I’ll whip out the credit…

Can’t My Savings Make More Money?

Financial Education, Investment Education, Personal FinanceBy Kristi SullivanApril 19, 2021

Ultra-low interest rates present a dilemma:  Great for borrowers (both companies and individuals), potentially great for the stock market, but terrible for people who need risk free savings for emergencies or retirement income.   Unfortunately, if you need your money within 1-2 years to spend, there’s not much I can suggest.  No growth is the…

Do It Yourself or Pay for White Glove Treatment?

Investment Education, Personal FinanceBy Kristi SullivanFebruary 22, 2021

When opening your own investment accounts, you have a choice between two major types of companies:  Full Service or Discount Brokerage.  Which is right for you?   Full Service brokerage, like full service anything, will generally cost you more, but with the promise of more personalized attention.  Things like trading, money management, and investment choices…

If I Made Candy Hearts

Fun Stuff, Personal FinanceBy Kristi SullivanFebruary 8, 2021

Ask any of my husbands, romance is not a core strength of mine.  On the other hand, I am great at eating Valentine’s candy.  It got me thinking, how can I combine my love of giving financial advice with the upcoming Hallmark holiday?  Short, sweet advice in three words or less on candy hearts?  Yes!…

WTF (What the Finance) is a REIT Fund?

Financial Education, Personal Finance, UncategorizedBy Kristi SullivanJanuary 25, 2021

A distinct memory I have from the old Fidelity days was being visited by the fund manager who oversaw the Fidelity Real Estate Investment Portfolio.  The interaction took place not long after the dot.com/9/11 stock market bust in the early 2000s.  This was a big deal.  In Denver (considered part of the vast western wasteland…

How Do I Pick the Best Stocks? I Don’t!

Financial Education, Investment Education, Personal FinanceBy Kristi SullivanJanuary 19, 2021

One of the first things I tell prospective clients who are looking for investment help is that I don’t advise on buying or selling individual stocks.  Why is that?  Laziness?  Lack of confidence?  Don’t have the time?  Yes, all of the above.   It is my opinion (and it’s my blog so you have to…

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Kristi Sullivan, CFP®, is your trusted partner in financial planning. With 27 years of expertise and a commitment to personalized service, Kristi helps clients navigate the complexities of wealth management, retirement planning, and investment strategies.

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