What is the role of cash in your portfolio? How much cash is too much and how much is too little? How good is Chat GPT at answering this question?
Continue readingChat GPT vs Advisor: What Role Should Cash Play in My Investment Portfolio?
How Much Personal Liability or Umbrella Insurance Do You Need?
We often make decisions based on expectations about the future, but the future is never as expected. It can be better or worse, but almost never as we expect it. A sound financial plan addresses such unexpected events, particularly when they can be a serious setback to achieving our goals. Planning for setbacks is part of what financial planners call risk management, and liability insurance is part of it.
Continue readingA Holiday Gift List for Your Future Self
We make gift lists for friends and loved ones, so why not a list of gifts for our future selves? At its heart, financial planning is a list of things you can do today to improve your future.
Continue readingPersonal Tax Planning Guide For 2022 And Beyond
Tax considerations affect virtually all areas of a financial plan, including retirement, education, investment planning, insurance planning, and estate planning. Learn some tax planning tools to maximize the value of your resources for YOUR goals.
Continue readingWhy Your Goals Should Guide How You Invest
Goals-based investing uses the information contained in each individual goal, including their value, priority, and time horizon, to build a dedicated investment portfolio for each goal. This leads to a more purposeful portfolio and allows for adaptable strategies that improve the long term performance of your investment plan.
Continue readingInflation, Supply Side Economics, and Your Investment Plan
We can understand inflation dynamics with simple supply and demand concepts. While we hear a lot about supply chain issues causing inflation, most policies implemented are demand driven. Under current conditions, we can expect the effects of inflation on budgets and savings to continue.
Continue readingSummer 2022 Guide to Financial Planning
Let’s face it, for most people, the first half of 2022 has not been the best from a financial perspective. Inflation has been around 8% for some time, with little signs of slowing down so far, empty shelves are becoming the norm, and your savings may have taken a nosedive! What can you do?
Continue readingUnexpected Inflation and Your Financial Plan
The cost of living has been increasing at an unusually high rate. What does this mean for your future investment returns? Read our guide to dealing with inflation.
Continue readingFederal Reserve Monetary Policy and Your Plan
While the Fed and inflation can make headlines, financial adviser Massi De Santis says it’s not obvious that you should be changing your long-term financial plan and your investments as a result of short-term changes in inflation and monetary policy, assuming you have a robust plan.
Continue readingUnexpected Inflation and Sustainable Retirement Income
Inflation is one of the major known risks for retirees or those approaching retirement. Unexpected inflation can lower the real return and can exacerbate what is known as sequence risk.
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