Mutual Funds
Should I drop my life insurance?
June 2014 Many retirees do not need life insurance but that doesn’t mean they should automatically drop their policies. During your working years, your family depends upon your income. In the event of an untimely death, life insurance would pay a tax-free income to the beneficiaries. This income replacement is probably the number one reason…
Read MoreWho gets my money when I die?
Making News… We produce regular Q&A columns for Florida Today and MarketWatch, a personal finance website of the Wall Street Journal, as well as pieces for Financial Advisor magazine, the Journal of Financial Planning, and the Winter Park/Maitland Observer among others. Here is a sampling from the last three months. Invest now or wait for a…
Read MoreAre investors fleeing stocks?
April 2014 At any given point, there are things that could move markets significantly. Events in Ukraine come to mind currently. What is happening there is a serious issue and you probably have an opinion about how it will affect the market. However, to profit or avoid losses from events in the Ukraine, you have…
Read MoreInvestment philosophy: The first step to success
March 2014 – Investment philosophy: The first step to success. Many struggle to have a successful investment experience. Committing to a sound investment philosophy is key to successful investing yet often, this critical first step is skipped. Having an investment philosophy and a plan that matches is critical to making sound investment decisions. It provides the filters…
Read MoreWhen should you file for Social Security?
Making News… We produce regular Q&A columns for MarketWatch, a personal finance website of the Wall Street Journal and Florida Today as well as columns to Financial Advisor magazine, the Journal of Financial Planning, and the Winter Park/Maitland Observer among others. Here is a sampling from the last three months. 18 Social Security Surprises Can I…
Read MoreHow will rising interest rates affect your investments?
Interest Rates and Bond Prices Markets are highly complex and interest rates do not always affect investments the way pundits speculate they will. However, with bond prices, the effect of interest rate changes is in fact both direct and mathematically calculable.To get a bond’s current yield, divide the interest it pays by its current price.…
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