Random Thoughts

10 Planning Rules that Drive Financial Success

Are You A “Basement” Thinker? Too often, we tend to focus on individual stocks and other investments that will hopefully lead to wealth.  While that is O.K., it isn’t enough. The issue is investing without a sound “plan” is the same as building a house without a “blueprint.” Yes, you will get something, but it […]

The 5 Myths of Diversification

Warning: You’ve Been Sold A Bill Of Goods They tell us that diversification is a ‘free lunch…’ a way to effectively manage risk. But is it? NO! Diversification is just a pacifier for your concerns. Diversification is just an all-day sucker to provide a false sense of comfort. Do you know how the financial industry’s definition […]

5 Strategies For A Successful Retirement

Are you getting close to OR have retired? Recently had a job change? Experienced a layoff? Had an unexpected life event that has changed plans? Those issues alone are enough to overwhelm most individuals, but combine that with: A Weak Economic Environment A Change In The Presidency Extremely Overvalued and Extended Markets Surging Debt Levels […]

What I Learned About Life & Money From Binge-Watching The Revenant.

I’m here. I’ll be right here. But you don’t give up. You hear me? As long as you can still grab a breath, you fight. You breathe, keep breathing. Shallow breath that accompanies overwhelming grief, is as heavy as glass-jagged ice that packs arteries deep in earth’s wilderness. Cut channels form and wind through an eternity of […]

10 Questions To Ask Your Advisor

Are you getting close to OR have retired? Recently had a job change? Experienced a layoff? Had an unexpected life event that has changed plans? Those issues alone are enough to overwhelm most individuals, but combine that with: A Weak Economic Environment A Change In The Presidency Extremely Overvalued and Extended Markets Surging Debt Levels […]

Why Dave Ramsey Is Wrong

“Why Dave Ramsey Is Wrong” Financial Guru, particularly Dave Ramsey, have consistently warned their listeners to ONLY “Buy Term Life Insurance,” even going as far as to suggest all other types of insurance is a scam. But Is That Really The Case? Of course, not. As with all things, particularly in the financial world, there […]

How To Survive a Retirement: The 3 Questions.

In the AMC’s hit drama “The Walking Dead,” where the world is overrun by rotting corpses with a desire to feed on the living, there’s something even greater to fear. The survivors. Staying alive in a post-apocalyptic society appears to bring out the worst of what’s left of humanity. People are ruthless killers. Strength in […]

Annuities: The Good, Bad & Ugly

Are you getting ready: To retire? Have retired? Or have recently lost or changed your job? If so, you have probably been solicited to buy an annuity or some other type of “insurance product” that promises great returns with “no risk” to your principal. If so, STOP!. This presentation covers the benefits of annuities and insurance […]