6 Tips to Increase Your Odds of a Successful Retirement Finances are one of the most common sources of stress that we face in life.  Unfortunately, many people find themselves woefully unprepared.  According to the U.S. Government Accountability Office, nearly one half of those approaching retirement age (55 and up) had nothing saved in a...Read More

As we sit in year-7 of a historic bull market, with earnings likely to decline for the 3rd consecutive quarter, the lack of a margin of safety in most stocks, bonds, and real estate is becoming painfully obvious. The Federal Reserve’s record-low interest rate policies have driven all asset classes higher, to levels where the...Read More

This morning I was reading an interesting Bloomberg article on the lack of savings being accumulated by a large percentage of the population, including those earning between $100-$150K per year. Astonishingly in the survey, close to 50% of those have less than $1,000 in savings, and about 18% have absolutely nothing. Even those who earn...Read More

“Successful Investing takes time, discipline and patience.  No matter how great the talent or effort, some things just take time:  You can’t produce a baby in one month by getting nine women pregnant.”- Warren Buffett The bull market that started in March of 2009 is now on the verge of its 6th and a half year,...Read More

Last Thursday’s Brexit vote led to a historically nightmarish day in the financial markets: Indexes across the globe were down between 3-10%. The British pound dropped from a high of $1.50 to $1.32, before finally recovering to $1.37, down an enormous 9% for the currency. European banks stocks were down between 15 and 20%. S....Read More

Unfortunately, the financial advisory industry is plagued with cookie-cutter formulas like the so called 4% rule, which is based off of statistical samples of historical returns to help create a withdrawal plan for retirees.  The problem with these types of generic solutions is that the historical returns may or may not be relevant whatsoever towards...Read More