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Scary Bear Market Deja Vu

Watch this video on YouTube It’s hard to believe one month ago the Dow Jones average hit a high of 29,551.42. Since then, we’ve experienced a US stock market meltdown and volatility similar to that of 2008. The Dow plummeted to 23,185.62 as of closing on...

Where Would You Put Your Cash?

Watch this video on YouTube The COVID-19 virus. The drop in the stock market. The presidential elections. Alarmist news reports and “expert” predictions about the economic impacts of each. No wonder investors are feeling fearful. When our brains perceive...

Immediate Annuities May Fit Into Retirement Plan

Watch this video on YouTube Recently, a life insurance agent wrote me about my railings against the SECURE Act now allowing annuities in 401(k) plans. He politely—and accurately—noted my “unfavorable opinion towards annuities (and by extension insurance sales...

Retirees’ Difficult Emotional Shift From Saving To Spending

  Nearly 40 years of financial planning experience has taught me that retirement is one of the most impactful emotional transitions in life. As you face the shift from earning a paycheck to relying on sources other than work for your income, it is normal for...

If Money Can Fix It

Watch this video on YouTube “If money can fix it, it isn’t broken.” These words, said by a friend during a recent conversation, grabbed my attention. Her statement challenged my definition of “broken.” The passenger side mirror on my car...

Investing in Financial Counseling

Watch this video on YouTube As a long-time advocate of blending financial planning with counseling, I’ve had years of seeing the benefit for clients. I have come to see financial counseling as an investment: one that can pay greater dividends than investments in...