The Good, The Bad and The Bored

We all have good days…we all have bad days…and we all have times when we feel bored. I’m going to tell you to beware all three! Why? Because when it comes to investing, any day you are feeling a strong emotion, whether it be euphoria, fear, or boredom you are more susceptible to making illogical, […]

Secrets of the Successful – #2

As human beings we want to feel we belong. After all, being part of the group is instinctual to our survival. We are taught from a young age to not make a scene, to be mindful of what we say and do, to be a good team player. As a parent, the desire sometimes to […]

Secrets of the Successful – #1

I’ve been in financial services for over 30 years. When you do something for that long the patterns emerge and you see why things are the way they are. I’ve had the privilege of getting to know hundreds of successful people, some of the most successful people in the country, to discuss their dreams, their […]

Are Annuities for You?

While I sit here, the market is moving as usual and financial writers are having a heyday telling you what to do now. I’m often asked why I use annuities in my clients’ portfolios or why I feel some clients should own annuities. Here’s my answer and an opportune time to explain. Annuities have numerous […]

Spring Cleaning for Your Financial Closet

I suppose it is human nature to want to clean our homes when spring comes. I was reading somewhere that 77% of Americans spring clean. Wow! This means all across the country people are cleaning behind the furniture, washing the windows, washing the drapes, and scrubbing the floor. I admit that I don’t spring clean, […]

Intentional Purposeful Giving

I suppose every day we give. We open the door for the person coming through. We smile at someone walking by. We do an errand for a friend or loved one.  Those are all forms of giving and they benefit us both mentally and emotionally.  But are you intentional about your giving? There is a […]

The Market is Down, So Now What? 6 Actions to Bring Sanity to Your Investing!

The market is down. There are articles and comments in social media saying it’s going to go down 90%, 40%, 60% in 2016! Who can tell you what the market is going to do tomorrow? No one. Now 300,000+ brokers are all guessing at what the market is going to do tomorrow …. Someone will […]

Social Security – The Rules Have Changed

Social Security for many people is their only source of retirement income and for most it represents one of their larger retirement assets. The rules have changed! In November, a law was passed that removes two popular social security claiming strategies. The changing rules, and how you apply for benefits, can make the difference between […]

5 Steps to Spend Less and Give More

It is interesting to me how many people do not enjoy Christmas nor the holidays at this time of year. How is it that a time that is to be celebrated and is advertised to be so happy is sometimes so sad? Is Christmas and the holidays a time to…? spend money celebrate tradition enjoy family […]

Emotions: Friend or Foe?

Do you understand your emotions? My job as a financial planner is to find ways to help you control your emotions and the ensuing self-defeating actions that can negatively impact your financial potential. Let’s list some emotions that can impact your potential for financial success. These emotions can lead to either a Pollyannaish or a Henny […]