Articles

Here you'll find articles, videos and some audios that I hope will be useful to you. If you see or hear anything that raises any questions, please contact me and I'd be happy to talk with you about your specific concerns. And please note that if you click on a website link within any of the posts that you'll be leaving this site.

 

Thursday, December 22, 2016

For many, even "just" the reduced stress and potential for greater peace of mind is worthwhile: Measuring the Value of a Financial Advisor Ever wonder what the real value of a financial advisor is? It’s not just added portfolio...

 

Monday, November 21, 2016

What’s Your Investment IQ? You make decisions for your portfolio, but how much do you really know about the products you buy? Try this quiz

 

Wednesday, October 12, 2016

Your home is likely one of your biggest investments. When it comes time to sell it because you want to right-size to better fit your lifestyle or you need to because work demands it, you'll need to take the tax implications into account:

 

Monday, September 19, 2016

One of things that makes planning for lifestyle in retirement a bit challenging is the question of life expectancy. "How many years do I need to plan for?" you might ask. And the answer depends on how long you plan on being alive. And...

 

Wednesday, September 14, 2016

A lot of people don't think a whole lot about taxes until we get to what we usually think of as tax season, those weeks that begin with the arrival of "Important Tax Documents Enclosed" and (sort of) end with the arrival of April 15th....

 

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Monday, September 5, 2016

With the passage of the Bipartisan Budget Act of 2015, two strategies to potentially maximize Social Security benefit payments were eliminated. Prior to the budget’s passage, married couples had two strategies to help maximize...

 

Monday, August 15, 2016

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Sunday, July 31, 2016

A “rule of thumb” can be a useful tool, if for no other reason than it can provide you with a starting point. But when it comes to managing your financial resources in retirement, financial rules of thumb applied without...

 

Thursday, June 30, 2016

When a life-altering event happens there’s often so much going on that your finances may get pushed to the sidelines. And it’s understandable, because it’s likely that you don’t have a reservoir of physical or...

 

Sunday, May 29, 2016

There’s been a lot of research of late exploring the link between financial stressors and physical and mental health. I recently heard a wonderful presentation given by Ellen Palmer at a conference for financial advisors and...

 

Monday, April 25, 2016

April may be the cruelest month (at least according to T.S. Eliot), but more happily it’s also Financial Literacy Month. Financial literacy (finlit for short) is a skill set that enables one to make informed (and by implication...

 

Thursday, March 31, 2016

A number of recent studies looking at why clients change advisors all arrive at similar conclusions: when they don’t feel heard or understood, don’t believe they’re getting clear answers, or otherwise don’t feel connected to the...

 

Monday, February 22, 2016

For some women it’s been lack of opportunity because their significant other took the lead, while for others it’s been lack of time because something else always seemed to take priority. Or maybe it’s frustration over...

 

Friday, February 5, 2016

It’s important to plan for a financially secure retirement, but for many it can be tough to even know where to begin. For starters, it’s worth noting that there’s not a simple formula, no one size fits all solution...

 

Wednesday, January 13, 2016

The transition to retirement for some is so stressful that they become almost paralyzed with fear. It’s important to address those fears and work through them because being in such a state can often lead to hasty or poor...

 

Tuesday, December 1, 2015

Holidays can offer opportunities for families to gather and talk face to face about things that really matter. One subject you and your elderly parents may not have talked much about yet is how they are feeling about their financial...

 

Monday, November 16, 2015

Historians still debate when and where the first Thanksgiving actually took place, but they do agree on one thing: the feasting went on for days. This time of year it’s difficult to reflect on the journey the Pilgrims made in...

 

Tuesday, September 15, 2015

It is not news to anyone that in times of fear and stress it’s the more primitive parts of our brains that often drive behavior. The more rational, more logical parts, well, not so much. In its simplest form, it’s the “fight or flight”...

 

Monday, July 27, 2015

Can you imagine looking into your spouse’s eyes and saying those words? If you have a good handle on your finances and your future surviving spouse doesn’t, at least be willing to acknowledge that having to try and deal with finances...

 

Thursday, June 18, 2015

Knowing how much money you have coming in and how much you’re spending is critical to successfully managing your cash flow and helping to ensure your financial security. But no matter how closely you keep track of how much you’re...

 

Monday, May 18, 2015

If you’re a woman in her 50’s chances are good you’ve been giving some serious thought to retirement planning. It can be daunting for many women because there’s so much that can impact their financial security. Being widowed, going...

 

Monday, April 20, 2015

People often don’t seek out financial planning advice until they experience an event that’s a game changer or maybe a kind of tipping point. And because for many it’s the first time they’ve gotten serious about financial planning, it’s...

 

Friday, March 20, 2015

Whether you’re on your own because your marriage has ended or because your spouse or significant other has died, being in the position of having sole responsibility for the management of your finances can be daunting. And especially so...

 

Friday, February 27, 2015

For years “retirement” was a distant speck on your horizon, but now you’re finding yourself thinking about it more often and it’s much more than just a speck. It’s important to plan for a financially secure retirement, but for many it...

 

Tuesday, February 3, 2015

An experienced and knowledgeable financial advisor can help you put your financial life in order and provide education and guidance around planning and investments that will build your confidence, and importantly, help you reassess...

 

Friday, January 16, 2015

The emotional trauma of losing your husband is difficult enough, but compounding the grief can be that all of the responsibilities for handling finances now fall on your shoulders. Whatever role you may have played in your family’s...

 

Friday, November 21, 2014

Holidays often provide opportunities for families to gather and a time for important face to face conversations. One you and your elderly parents may not have had yet is around how they are feeling about their financial affairs and...

 

Friday, October 24, 2014

In the universe of investment options available to you there are many that are very good, some that are questionable and a few that are truly awful. One way to look at it is that they’re not inherently good or questionable (you want to...

 

Friday, September 19, 2014

For many, the prospect of purchasing life insurance leaves them feeling a bit, well, human (read mortal.) But the trade-off can be a sense of peace knowing those you love won’t have to suffer the terrible added burden of financial...

 

Monday, September 1, 2014

It can be challenging enough to manage your money on your own, but managing your finances as a couple can be even harder. And if you’re among those who don’t have any difficulties at all handling your finances together then you’re...

 

Thursday, August 7, 2014

When planning for retirement, most people understandably focus on how much money they’ll need for the years they’ll be living without earned income. And they imagine all the time they’ll have to spend on activities they enjoy, rather...

 

Thursday, July 24, 2014

Knowing how much money you have coming in and how much you’re spending is critical to successfully managing your cash flow and helping to ensure your financial security. But no matter how closely you keep track of how much...

 

Monday, June 23, 2014

If you’re like most people, when you think of estate planning you’re imagining a will or maybe even a living trust. While these are important documents, you might be surprised to learn that they don’t determine the distribution of some...

 

Monday, June 16, 2014

The benefits of tax-deferred compounding through a traditional IRA or a company retirement plan enables you to grow your savings without having to pay taxes on the investment earnings year in and year out. At some point, though,...

 

Friday, May 2, 2014

"A common approach to estimating the total amount of savings required to fund retirement is to first apply a generic “replacement rate” to pre-retirement income, such as 80%, to get the desired retirement income need. That need is then...

 

Tuesday, April 22, 2014

Depending on who's research you read, the percentage of financial advisors who are women is somewhere between 14% and 18%. And despite the rapid growth in the number of Certified Financial Planning™ professionals in recent years, the...

 

Monday, April 21, 2014

Click on the article below for some helpful financial planning ideas for same-sex couples and families. Please note that this article speaks to some areas specific to Pennsylvania law, but it also contains some valuable information...

 

Thursday, April 17, 2014

In many households, one spouse will take the lead in managing the family finances, often to the relief of the other. And that one is likely be comfortable with an array of financial matters, particularly those that impact the family....

 

Tuesday, April 15, 2014

All of the changes around estate planning rules on both the State and Federal level during the past few years have made keeping up with the latest developments something of a challenge. That said, no matter how laws and rules change,...