Are ETFs any good?

Exchange Traded Funds (ETFs) receive a lot of coverage from the press covering markets but are ETFs any good?

Making News…

We frequently produce Q&A columns for Florida Today, Investopedia and MarketWatch, a personal finance website of the Wall Street Journal, as well as pieces for Financial Advisor magazine and others. Here is a sampling from the last three months.

Lump sum pension or long term payments? Decision requires broad look by Derrick Chandler

Where to start creating an estate plan by Charlie Fitzgerald

Mike Salmon helped out at Investopedia by answering several reader questions including, “Should I wait for the market to go down before choosing to invest?” and “Can I combine my 401k with my new 403b?” and “Will taking a large IRA withdrawal increase my income and put me in a higher tax bracket?”

Dan Moisand continues his regular Q&A column for MarketWatch  with When can you take money out of a Roth IRA?Should my dad take more than the required minimum distribution from his IRA?, and My income is increasing. Should I convert my IRA to a Roth? among others.

In the News…

Dan Moisand recently spoke at the Retirement Symposium put on by Financial Advisor magazine in Dallas.  Dan moderated a panel about using a methodology for individuals that is similar to methods used by large pension plans. He also served as a panelist for a discussion about the best portfolio construction ideas for the portfolios of retirees.

AdvisoryHQ recognized Moisand Fitzgerald Tamayo LLC on its 2017 ranking of the “Top 13 Financial Advisors in Florida | 2017 Ranking | Florida Wealth Management Firms” According to AdvisorHQ, “… ranking articles are always 100% independently researched and written. Firms do not pay for their ranking or our award emblem. In fact, most firms do not even know that they are being reviewed and ranked by AdvisoryHQ until after our reviews have been published to the public.”


Things We Found of Note


One of the best things retirees can do financially is help their family prepare to handle their money. This piece, “At what age are you too old to manage your money?” discusses a new study that shows how common the issue is and talks about how good planning can make it easier on everyone, especially a spouse.

Steve Ballmer retired as CEO of Microsoft in 2014. Over the last three years he employed “a small army of economists, professors, and other professionals,” and about $10M to launch USAFacts. It is the mother lode for data and integrates revenue, spending, and measured outcomes across federal, state, and local governments. Ballmer wants to provide hard facts and data to the public and researches in a non-partisan manner. The site relies only on actual government data, not outside sources which could be biased.

We’ve all seen it. People with their heads down fiddling with their phone. How can we break the smartphone addiction?



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Moisand Fitzgerald Tamayo, LLC is an Orlando, Tampa and Melbourne, Florida based fee-only financial planner serving central Florida and clients across the country. Moisand Fitzgerald Tamayo, LLC specializes in providing objective financial planning, retirement planning, and investment management to help clients build, manage, grow, and protect their assets through all phases of one’s life and the many transitions in between. If you have any questions or would like to discuss anything further, please give us a call or send us a note. If you are not a client and wish to receive emails notifying you of new posts – no more than once per month – fill out the subscription information in the sidebar to the right. For more frequent updates, follow us on FacebookLinkedIn, or Twitter.  

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Please remember that past performance may not be indicative of future results.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Moisand Fitzgerald Tamayo, LLC-“MFT”), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. 

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About Dan Moisand

Dan Moisand is a fee-only financial advisor with Moisand Fitzgerald Tamayo, LLC. He is a regular contributor for multiple outlets, including Florida Today, MarketWatch, and The Wall Street Journal. His writing and financial advice have also been featured in Financial Planning, Investment Advisor, Wealth Manager/Advising Boomers, Forbes, Smart Money, and The New York Times, among other publications. He is the only two-time winner of the Journal of Financial Planning’s “Call for Papers” competition and has been named a top financial planner and advisor by multiple publications. Investment News named Dan one of the “twenty most influential men and women” in the history of financial planning. He currently serves on the Board of Directors for the CFP (Certified Financial Planner) Board.


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