fee only financial planning

Asset Allocation, or What’s in YOUR portfolio?

Here’s a little secret that most investment salespeople will not tell you: The actual investments you choose aren’t really that important.  Buying Whole Foods or Walmart or Kroger stock is the least important financial decision you will make. What?  How can that be, you say?  My adviser is an expert at picking money making investments. …

financial jargon, fee only financial planner

More Financial Jargon Explained!

Bottom-up Investing:  No, this is not a reference to Kim Kardashian breaking the internet.  Bottom-up mutual fund managers research companies individually and without regard to the current economic cycle, geography, or other big picture considerations. Asset Allocation: I’ll spend more time on this later.  For now, know that Asset Allocation is the combination of different…

fee only financial planning denver

Happy New Year from Sullivan Financial Planning

Happy New Year! In my financial planning business, I work with three distinct groups: Those who are just starting out in their professional and investing lives (ages 25-30) People who are building careers, families, and savings portfolios (30s – 50s) Pre-retirees or people who have recently retired (50s and beyond) Following are the New Year’s…

fee-based-financial planning denver

5 Smart Financial Things to Do Before December 31st Part Two

Second in a 2-Part Series In part one you have madly scrambled to increase your retirement plan savings and sign up for your Flexible Spending Account during the last milliseconds of open enrollment.  Now, let’s talk about the other 3 items on the list. #3 Harvest Tax Losses In your non-retirement (a.k.a. taxable) accounts, you report…