#7 Building Block – Understand all your investment choices, so you can make selections that meet your own investment needs and goals


When you build an effectively diversified portfolio, you’ll need to combine funds for each asset class. Your plan is required to provide a prospectus for each of these choices. Familiarize yourself with what is available, then ask questions to be certain you’re getting the characteristics you require to meet your own risk/reward threshold. … [Read more...]

#6 Building Block – Six Principles of Successful Investing

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    Our six principles will give you the highest probability for success. These principles work together to smooth out the roller-coaster ride associated with good and bad markets. Learn more about them to produce steady results. 1. Dollar Cost Averaging 2. Diversification 3. Asset Allocation to Build a Portfolio 4. Asset-Class Investing 5. Time 6. Rebalancing … [Read more...]

#5 Building Block – Understand your asset classes


Asset class is a term frequently used, and as frequently misunderstood, in the investment world; but, asset classes are really nothing more than categories of various types of investments. Learn what they are and how they work together in “How to Build, Protect, and Maintain Your 401(k) Plan.” … [Read more...]

#4 Building Block – Know the risk you’re willing to take


Everybody is a long-term investor – until the market drops one percent or you get your quarterly statement. What is your true tolerance for risk? Discover the answer in “How to Build, Protect, and Maintain Your 401(k) Plan.” … [Read more...]

#3 Building Block- Learn how Employer Matching Funds can add money to your plan


Matching funds are basically free money, and you would be crazy to turn away free money. That’s what you’re doing if your company offers a matching employer contribution and you’re not putting in the amount necessary to receive the maximum matching funds. Find out the eligibility requirements and begin participating as soon as possible. Any delay is throwing money away! … [Read more...]

#2 Building Block – Learn how to put money into your 401(k) plan


  It’s possible that you aren’t aware of rules affecting contributions to your specific plan. Here are the questions to ask yourself: What are the eligibility requirements and vesting schedule? How much money can I put in my plan? What is the tax-free allowance or government subsidy? Since only you know exactly how each of these plan elements affect you, the more knowledge you … [Read more...]

#1 Building Block – Learn what’s in your Summary Plan Description (SPD)


Your SPD is the cornerstone of your retirement plan, so, it's important to learn every angle and how to work it in your favor. It doesn't help if you have a general knowledge of 401(k) plans, but don't understand the specific rules of your own plan. Ask your plan administrator for a copy of your SPD and read it. … [Read more...]

Our Response to Brexit

Our Response to Brexit

TO: Our Clients DATE: June 24, 2016 RE: Our Response to Brexit First, we have been monitoring and analyzing the Britain’s potential exit from the EU from the beginning, and will continue to do so. In short, the Brexit outcome has created uncertainty and elevated levels of fear globally for market participants. However, are there any concrete reasons to be concerned or to react in a fearful … [Read more...]

Watch Out for “Assembly Line” Retirement Planning

Financial Plans

Some things work best when assembled exactly the same way every time. Your car, for example, comes to mind. With a standard process in place at the manufacturing plant, mistakes get minimized, your car gets assembled faster, and that’s part of what makes the car affordable for you. Why Retirement Plans Should Always be Customized to Your Needs But with other things, especially services, … [Read more...]

How Often Should You Review Your Financial Plan?


When should you start making your financial plan? The truth is you should do it as soon as you get your first real job. Are you familiar with “compounding,” and how it works? Take a look at an example to see how it does: Grace Groner worked as a secretary for Abbott Laboratories for more than 40 years. How large would you expect Grace’s retirement fund to be? Not too large. Maybe, … [Read more...]