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Time for a little inspiration: the story of Palmer Luckey

We all know that advances in technology in the last few decades have been monumental. It takes but a moment to send a message all the way to the other side of the world; you can search for just about anything on Google® and get an answer immediately; high powered computers cost a fraction of what they would have 30 years ago and they’re hundreds of times faster. On top of all that, virtual reality is well ... becoming a reality in a much more advanced way than was anticipated, especially based...

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Wish you could withdraw money from your 401(k)?

You might have more options than you think. These days, many pre-retirees save for retirement primarily through an employer-provided 401(k). 401(k) accounts can be a great savings tool, especially if your employer matches your contributions. But there are occasions when relying on a 401(k) account isn’t the best option.

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What happens to the Social Security surplus?

According to the National Academy of Social Insurance, by law, Social Security’s surplus funds are invested in inter-est-bearing Treasury securities, which earned an effective interest rate of 3.6 percent in 2014. The interest earned is credited to Social Security’s trust funds. The securities can be redeemed whenever needed to pay Social Security benefits. In financial markets, Treasury securities (bills, notes and bonds) are considered an extremely safe in-vestment because they are backed by...

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Jeff's Thoughts on Four Financial Hot Spots

When it rains it pours, as the saying goes. If you’ve been following the financial news this summer, it probably seems like a torrential storm has been churning all around the world. Every week, people ask me about the headlines they hear on TV. “What’s going on with China?” they want to know. “Is the Greece situation over?” “Why do I keep hearing more about Puerto Rico?” “What about Canada?”

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Our View on the Greek Crisis

If you’ve opened a newspaper or watched TV in the past few days, you probably saw headlines about the Greek debt crisis. It’s possible you found these headlines easy to understand, with no explanation required. It’s also possible you shrugged your shoulders and said, “So what?” The third possibility is that you thought to yourself, “Well, I don’t know why it matters, but I’m sure Jeff will tell me more about it.” If you chose door number three, you were right!

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Happy Independence Day

As children, we all learned about the Founding Fathers—those men who either fought for American independence or worked in some other way to achieve it.  We learned about names like George Washington, John Adams, Benjamin Franklin, and Thomas Jefferson.  As we grew older, their names and stories stayed with us, and it’s to them our minds often turn on Independence Day. This got me thinking: what about the women of the American Revolution?  Surely there were women who fought and labored for...

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How To Make Time Be On Your Side - Part 2

Last month, I posted a blog on time management and how it relates to financial success.  Today, I’d like to share a few simple, easy tips on how to manage time. First off, always remember this basic truth: the purpose of time management is to maximize your ability to do what you want to do in the time you have available to do it.  In other words, let’s say you really want to collect stamps.  Proper time management can enable you to create more time for stamp collecting … or, if you prefer, to...

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How To Make Time Be On Your Side - Part 1

For some time now, I’ve been posting blog messages on different topics.  The point of these blog posts is to share a little bit of the knowledge I’ve gained during my years as a financial planner.  Hopefully you’ve found them helpful as you work to simplify and enhance your financial life!  In this letter, I’d like to share a friendly tip that has served me well over the years, both personally and professionally:

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Our Stance On Account Minimums

We welcome your referrals.That means: No account minimums for your referrals. Don't get me wrong, I'm not saying I accept all referrals. Because I may not be able to help. As an example, your friend might want to trade penny stocks and that's not what I do.

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In Remembrance...a Memorial Day message

Next Monday we will celebrate Memorial Day.  Sadly, many people will just be glad to be off work and have some free time.  Most of us will not acknowledge that as we spend time with family and friends this weekend there are many people who serve us as members of the armed forces that stand guard to protect our freedoms whether there is a holiday or not.  These fine men and women don’t get paid much, have a substandard health care program compared to non-military members and often spend...

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