Why Every New Retiree Should Have Two Financial Advisors

March 22, 2013

In this 2011 analysis in Smart Money magazine, which remains timely and relevant today, author Glenn Ruffenach makes the point that the advisor who got you to retirement, is very often not the specialist you’ll need to get you through retirement. When we were in our thirties, forties, and fifties, an advisor’s mission was to get us to our target retirement date by growing our retirement savings subject to risk, primarily in the stock market.  When the market grew, we

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Is the Market Poised for a Correction – or a Collapse?

February 19, 2013

At the end of last year, CNNMoney took a survey (Stocks ‘need to be corrected’) wherein they polled more than 30 investment strategists and money managers as to where the S&P 500 would finish 2013. The realistic consensus was a valuation of 1,490, up just 4.5 percent for the year, given the multiple headwinds of debt, Europe, tensions in the Middle East, slowing GDP, and the pending implementation of ObamaCare at year end. That was the last week of last year.

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Thirteen Years of Zeros – and They’re Celebrating!

January 25, 2013

Why the market’s upcoming milestones will not be gratifying for retirees Last week, the financial networks touted two of the three major market indices – the Dow Jones Industrial Average and S&P 500 – for their recent advances to within sight of their all-time highs. The S&P 500 is now just 5 percent shy, while the DJIA is but 3.6 percent below its top mark. (Meanwhile, the NASDAQ is nowhere to be found, still a stunning 38 percent below its

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Why Inflation is Still Years Away

January 4, 2013

What is the 10-Year Treasury Telling Us? As the Federal Reserve has “printed” money over the last 5 years, few Americans understand that the majority has been electronically generated (placed on the Fed’s balance sheet by the mere entering of a number in a computer), and “distributed” into the economy via mandatory loans to the major banks in 2008.  The interest rate on these loans has ranged between zero and 0.25%, but these are loans nonetheless, and are therefore subject

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Why Blog?

December 26, 2012

In 2011, my team and I were encouraged to submit an entry for Senior Market Advisor magazine’s 2011 Advisor of the Year award, one of the most coveted national honors that any financial services professional working with retirees can receive. We were one of only five finalists nationwide, which led to me writing a monthly column in Senior Market Advisor on the subject of practice management, for the benefit of the many advisors that make up their readership.      

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