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Maintaining Good Credit (and What to Avoid)

It’s relatively straightforward to maintain a checking account balance: you never spend more than what you have. Spend too much and you have a deficit; spend less than you thought, and you have a surplus. From a budgeting point of view this is easy to maintain. It gets more complicated with larger budgets and investments, of course, but at its course the idea is maintainable and widely understood.

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Do You Need a Financial Planner?

Ask almost anyone about financial planning, and you’ll probably get different answers from each person about what it is and what it can do. Some will say it’s best for taxes; others will say it’s best for portfolio investments or retirement funding. You might hear that it’s only for the rich, or that it’s just an expensive luxury that goes along with having money in the first place. Some will say it’s good for nothing, and it’s a waste of money and time.

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Coming to Grips with Risk

This is a distilled conversation, but not an imaginary one. I’ve heard it countless times; every financial advisor or planner has. Clients declare that, in order to make more money, they need to take bigger investment risks to make it happen. The part that seems to elude people’s understanding is that you tend to make higher AVERAGE returns in the market with higher risk investment over a LONG period of time.

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The Strategic Retirement Planning Roadmap

Pretend that retirement is a road trip and that you want to go to the West Coast from the Midwest. San Francisco sounds nice this time of year. You know the direction, and you drive your car straight toward it. Simply head west straight, you say to yourself; it’s so easy you can set the cruise and fall asleep and you’ll wake up at your destination. The autopilot will take care of the whole thing.

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Willeke’s Nuggets of Wisdom

When to Buy or Sell Investments