The Principal Problem

It's the goose that laid the golden egg concept isolated on white.

As seen in the Bradenton Herald September 23, 2019Is not touching your principal really the safest tactic? People on the cusp of retirement are often looking to reposition their portfolios to focus on three primary characteristics: Safety, Income, and Growth. Understandably they want a safe strategy to make sure they don’t lose their money. They need […]

3 Key Steps in Financial Planning

Generally speaking, my experience has been that successful investing is goal-focused and planning-driven, while most of the failed investing I’ve observed has been market-focused and performance-driven….

Planning for Financial Change

Planning for Financial ChangeFeatured in the Bradenton Herald 6-11-19 Financial decisions can be highly stressful and consequently are often a source for procrastination. Psychologist Barry Schwartz says choice has made us not freer but more paralyzed, not happier but more dissatisfied. Every decision feels like we are exposing ourselves to unknown risks and leaving the […]

How to Help your Grandchildren Fund College Costs

As a general rule, college tuition rates have increased at roughly twice the rate of inflation. According to Collegeboard.com, the average annual cost for public college tuition, fees, and room and board averaged $36,420 last school year, and some private schools can cost more than twice as much. As a result of these high costs I have increasingly seen many more clients who want to help contribute to their grandchildren’s education. In the following I will provide an overview of what parents can expect and how grandparents can help with minimal impact on aid eligibility.

Optimizing your Retirement Income

Income Optimization strategies

6 Financial Best Practices for 2019

So, are you ready to get a jump on 2019? Around this time last year, we shared a list of 10 financial best practices for the year ahead. Our reach-out went so well, we thought we’d make it an annual tradition. Here are six more financial best practices for the year ahead. Pick a few […]

Why Should You Diversify?

Why Should You Diversify? As 2019 approaches, and with US stocks outperforming non-US stocks in recent years, some investors have again turned their attention towards the role that global diversification plays in their portfolios. For the five-year period ending October 31, 2018, the S&P 500 Index had an annualized return of 11.34% while the MSCI […]

The Key Role of Rebalancing

If there is a universal investment ideal, it is this: Every investor wants to buy low and sell high. What if we told you there is a disciplined process for doing just that, and staying on track toward your personal goals while you’re at it? Guess what? There is. It’s called rebalancing. Rebalancing: How […]

What is the Yield Curve?

The yield curve is flattening (or growing steeper)! … Yield curve spreads are widening (or narrowing)! … The yield curve has inverted (or normalized)! Headline-grabbing yield curve commentary somehow sounds important, doesn’t it? But what is a yield curve to begin with, and what does it have to do with you and your investments? […]

Family Financial Instructions

By GARDNER SHERRILL |Investor’s Column December 2, 2018 This is Only a Test – Your Financial Fire Drill Every family has their own way of managing financial responsibilities. Generally, I see one spouse who takes the financial lead while the other manages other sundry obligations. My wife pays our bills while I manage the remainder […]

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