Safe Withdrawal Rates in Retirement

I have met more than one individual that have wanted to take more than 10% out of their investments for retirement. They did not actually consider what percentage they needed, they were just thinking about the amount they wanted. If one is to have enough money to last...

Give up this freedom grudgingly!!

There are some very good investments that tie up your money and make it difficult to retrieve without large penalties or long waiting periods. Many of these investments are simply not geared to a format that can offer daily liquidity. Think of your house. It is a...

Your Financial Plan is Outdated the Next Day

As soon as you create a financial plan, it will likely be outdated the following day.   Hence, this is not a reason to avoid completing a plan. I give a nod to our servicemen and military. They prepare each day and then prepare some more for things that may never...

57 Channels and Nothing on – Choosing the Right investment

There are over 6,700 individual stocks to invest in, 7,691 Mutual funds, and 916 ETFs. Not to mention annuities and insurance products. This is a lot of investments to choose from. In Bruce Springsteen’s “57 Channels and nothing on” he describes a world with all this...