Ideas for Your Tax Refund

Tax filing season is never fun, but for many Americans, the silver lining is the refund they’ll receive when it’s over. If you’re one of the individuals who received, or expect to receive, money back from Uncle Sam this year, here are a few ideas for putting those funds to good use. Pad your emergency reserve | A general rule … Read More

Envisioning Your Perfect Retirement… Then Planning For It

Do you have a specific date marked on your calendar? Are you counting down the days until your retirement? You’ve planned for this moment for a long time now, but it’s just as important to plan for what’s ahead. Having the financial resources to retire is the first step but now you have to prepare for how you plan on … Read More

A letter from Andy – February 2019

 Most of you know that 11 years ago my wife Gina was diagnosed with Breast Cancer. Gina fought hard through six months of chemotherapy, multiple surgeries and five years of hormone therapy. Even though her diagnosis was a life changing event, it taught us both valuable lessons that we still embrace today and attempt to live through our daughter Ari.  Last … Read More

Weekly Talking Points – August 22, 2018

The S&P 500 ground out a positive 0.66% last week while the Dow Jones Industrial Average shot up 1.48% on a softening of the “trade war” talk between the US and China.   International markets continued sell off with political tensions (mainly Turkey) as both developed (MSCI EAFE) and emerging (MSCI EM) declined 1.10% and 3.68% respectively. Retail sales in the … Read More

Determining Your Safe Withdrawal Rate

Sequence of return risk What is it? | The risk that an investor’s portfolio returns will be low or negative early in a withdrawal period. Given the same starting principal and average return, individuals who incur low or negative returns early on during a particular withdrawal phase are at greater risk of exhausting their funds than individuals who experience low … Read More

Weekly Talking Points – August 6, 2018

The S&P 500 ground out a positive 0.80% last week while the Dow Jones industrial Average was essentially flat (up 0.05%). International markets however took a breather as both developed (MSCI EAFE) and emerging (MSCI EM) declined 1.45% and 1.66% respectively. Personal income and personal consumption both rose 0.4% in June. Personal income is up 4.9%, and spending is up … Read More