Information to help you lead a smarter financial life.

20 Second Advisor: Here’s the prescription

As much as I love the internet and access to information, I recognize the potential harm that too much info can cause. Take, for example, a friend of mine, who was experiencing some troubling medical symptoms. Typing her symptoms into a search engine led to an evening of research and mounting consternation. By the end of…

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20 Second Advisor: Are You Saving Enough?

A new year brings new opportunities to save money for retirement. Regardless of age, most people are NOT saving enough. Most people need to be saving 15% or MORE of their income. For many of our clients, an IRA or 401k simply won’t get them there. Here are some suggestions: Max out your 401k –…

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20 Second Advisor: Make it happen in 2019!

It’s the most wonderful time of year.  That time when you gather with family, celebrate the holidays, and dust the cobwebs off your old budget.  But, seriously, I love this time of year.  We are looking into the new year and trying to guess/dream/figure out what we’d like to accomplish in 2019. Vision is the…

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20 Second Advisor: Now can be a great time to tax loss harvest

Losing money is never someone’s idea of a long-term investment plan, but a well-diversified portfolio will usually contain some investments that have indeed lost value, at least over the short term.  But sometimes an investment that has lost value can still do some good. Given the recent ups and downs in the market, now could…

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20 Second Advisor: 5 Things To Do BEFORE 2019

Retirement Contributions – Make 401k, IRA or employer contributions. Charitable Contributions – Give cash or appreciated investments to your favorite charities. 2018 Reflect – Did I save, give, and pay off what I planned? 2019 Plan – how much will I save, give, pay off? Decide NOW and set it up for next year! Be…

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20 Second Advisor: Yield Curve Inversion?! What does it mean for me?

The US yield curve just inverted!  For the average American, they have little idea of what that means.  It’s often seen as a bad omen.  Normally, longer term bonds have a higher yield than shorter term bonds (i.e. A “normal” yield curve).  When the yield difference between long and short term bonds reverses (short term…

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20 Second Advisor: Tale of Two Investors & Using Time to Enhance Wealth

What is the secret to having a great investment experience? A few key things come to mind.  One of the great secrets of investing is putting TIME on your side.  If you can save significantly when you are young, the powerful effects of compounding returns work in your favor.  More time = more wealth!  Let’s…

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20 Second Advisor: Midterm elections and what they mean for markets

While it can be easy to get distracted by month-to-month or even one-year returns, what really matters for long-term investors is how their wealth grows over longer periods of time. Exhibit 2 below says a lot. It shows the hypothetical growth of wealth for an investor who put $1 in the S&P 500 Index in January 1926.…

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20 Second Advisor: Frightfest Video

Watch this video to see what the stock market and Halloween have in common! *Returns quoted are based on the All Country World Index (ACWI) from November 1, 2016 – October 31, 2018

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