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Will, HCAD May Not Always Be Essential

Watch this video on YouTube As inevitable as death is, given the way we avoid planning for it we seem to believe we will evade it if we don’t talk about it. Two-thirds of Americans don’t have a will or a health care advanced directive. Financial planners like myself...

No Such Thing as a Free Pet

Watch this video on YouTube “Want a kitten? It’s free.” This is an offer that I would turn down in a heartbeat. My lack of enthusiasm for cats would far outweigh my frugal appreciation of getting something for nothing. Even the most ardent cat lover,...

Mix of Bonds in Diversified Portfolio

Watch this video on YouTube As I pointed out last week, bonds are the hardest investment class for most people to understand. Just to make things more complicated, not all bonds are the same. There are great differences between government, corporate, long-term,...

Bonds: Common But Confusing Asset Class

Watch this video on YouTube What would you guess is the hardest investment class for most people to understand? You might think it’s stocks, or a subclass of stocks like those of companies in emerging markets. Or how about real estate investment trusts (REITS)...

What I Didn’t Know Then About Investing

Watch this video on YouTube Fifty years ago I scraped together $100 that I earned moving lawns and invested in my first stocks. I had heard a person could make a lot of money owning stocks. The ones I bought were all very small regional companies that I selected with...

Financial Planning Value By the Numbers

Watch this video on YouTube How much value does a fiduciary financial planner add to your investment portfolio each year? Four percent, according to Russell Investments’ 2017 update to the firm’s annual “value of an advisor” analysis. If you do...