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“Count it a privilege then for troubles that come because you know that your Father In Heaven will provide the solution for them.”[i] We are by nature mortals who attempt to shun difficult things and challenging times forgetting that “Whatever we ask will be given to us.” [ii] We tend to want others to take …

Continue reading “Troubles That Come”

As recently as August 15, 2015, Dalbar, the independent investment research group out of Massachusetts, released their Quantitative Analysis of Investor Behavior Study which documented that the average investor is only earning 2.6% on their portfolio not the 6% or 8% that most financial planners refer to as being the average. By the way, the …

Continue reading “Never Accept Less”

I don’t know about you, but I’ve run out of gas more than once in my life.  Early on, when I was still in high school and drove a red Ford pickup that didn’t have a working gas gauge, I ran out of gas more than I care to admit.  But as I got older …

Continue reading “Running On Empty”

Ever feel that the world keeps getting faster and faster?  Ever notice that your day is packed full but you seem to complete less?  Ever wonder that the more you undertake the fewer results you actually achieve? Recently a message was posted online that was spot-on. “Where will we go today so we can stare …

Continue reading ““The Mad Rush To Nowhere””

Anniversaries can be awesomely cool or memorably haunting. On July 27 of this year my parents celebrated their 69th anniversary.  Mom slyly stated her secret was, “I’ve always let him have my own way.”   Michele’s parents celebrated their 50th on September 4th and Michele and I will celebrate our 25th anniversary on December 22.  I …

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Fees, fees and more fees seem to be the norm when planning for your retirement.  Which leads one to ask, “Are there any specific restrictions on how many fees or how big the fees can be?”  And the direct answer is NO!  However, the Securities and Exchange Commission (SEC) does confine how large a fee …

Continue reading “Fees, Expenses and Limitations That Are Killing Your Retirement Ambitions”

“Say the wrong thing on Facebook or Twitter, and you might need to defend yourself in court.”[i] Someone accidently slips and falls on your property or you get involved in an accident a jury may end up awarding millions of dollars against you. Examples: a dog bite case in Maryland for $5.9 million; an Internet bulletin board …

Continue reading ““Asset, Estate and Business Protection: And Why This Concerns YOU””

A new bear market begins every 4.8 years on average.[i] Since 1929 there have been 16 bear markets, where a bear market is described as a 20% or more decline. The average bear market lasts 17 months and the time needed to recover from a bear market averages around 60 months.[ii] Knowing these simple facts …

Continue reading ” “Would YOU Invest…Knowing the Odds?””

If you want to be successful, you have to have a plan. If you don’t have a plan, you’re not going to be successful; it’s as simple as that. What about your friend’s birthday? If you want to have a birthday party, you must plan for it. You’ll need to decide when and where you’ll …

Continue reading “Planning For Success”

Most Americans have enough money in their 401K to live three to six years, if they’re lucky, once they retire.[i]  Why?  The answer is simple.  People get discouraged and disillusioned when the earnings on their savings/investments don’t grow as fast as they had hoped due to market corrections, low interest rates, fees and penalties that …

Continue reading “How to NEVER Out Live Your Money”