Overcoming the Psychological Shift: Financial Planning for Retirement Decumulation
You’ve spent decades building your nest egg, carefully saving, investing, and watching your accounts grow. For years, you lived by the rules of accumulation; save more, spend less, and always keep an eye on the future. But what happens when the future finally arrives? You’ve reached retirement, and suddenly, the goal changes. Now you’re faced […]
Don’t Let Stock Market Noise Distract You from Real Investing
“The expectations market is about speculation. The real market is about investing. The stock market, then, is a giant distraction to the business of investing.”
Why Your Dimensional Fund (DFA) Portfolio Has Underperformed And What to Do About It
To say it’s been a tough year for investors is probably an understatement. If you’re feeling weary of “holding tight” or “being patient” with this market, you’re not alone.
Why Your Financial Advisor Doesn’t Use Index Funds – And How It’s Hurting You
Earlier this year, index fund assets surpassed actively-managed funds for the first time ever. Initially ridiculed and ignored when they were first introduced a few decades ago, index funds are now becoming mainstream.
What Every Utah Resident Should Know About Ponzi Schemes
In 2019, Jordan Maglich of PonziTracker.com released a 10-year survey of Ponzi schemes in the U.S. What he found confirmed what many Utah financial advisors have suspected for decades
Understanding Financial Advisor Credentials, Titles and Terms
What’s the difference between a financial advisor and a financial planner? Between fee-only and fee-based? Between CFP® and CFA®?
Huge Tax Savings Using Net Unrealized Appreciation (NUA) Rules
Do you have company stock in your 401(k) plan? Net Unrealized Appreciation rules could save you thousands in taxes.
19 Questions You Should Ask Your (Prospective) Financial Advisor
Are you trying to decide who to hire as your new financial advisor or wondering if the one you have is acting in your best interests? With so many opinions and convincing sales pitches out there, it can feel like an impossible task.
Do You Have an Investment Philosophy You Can Stick With?
David Booth, Founder of Dimensional Funds, said that “the most important thing about an investment philosophy is that you have one you can stick with.”
Approaching Retirement? Avoid These 5 Common Pitfalls
While retirement is often depicted as relaxing and carefree, the reality is that the financial uncertainty of leaving behind a steady salary can lead to high levels of anxiety.