Alternative Uses of Social Security Income

John Boardman

Atheneum

Key Takeaways:   Many unique situations could justify taking Social Security earlier. The psychological benefits of a new income stream can relieve anxiety around a new planning strategy. To take Social Security before age 70, the financial and non-financial benefits of claiming Social Security early should outweigh the benefits of deferral.     If you … Continued

Educating Your Next Generation

John Boardman

Weekly Update

Key Takeaways: Our most successful planning relationships are those in which we work with our client’s other professional advisors – and their children and heirs as well. Involving heirs in your financial and estate planning makes the next generation’s estate administration job much easier. You do not have to tell them every detail, but at … Continued

June Market Update

John Boardman

Weekly Update

Listen as John Boardman (Founder and CEO) and Andy Reynolds (COO and Partner) discuss the current market environment. Additionally, John and Andy consider a few common questions and share their thoughts on the cyclical market, inflation, portfolio management, raised rates, and economic outlook. If you have any questions, please reach out to us: 859-226-0625 or … Continued

(With Perspective) There Is Good in This Selloff

John Boardman

Weekly Update

  Yes, I said it; there are countless reasons to celebrate what we are and have been experiencing in the financial markets.  From a historical perspective, we believe the developments in this environment are constructive to a healthier economic and market environment in the future.  Let me count the ways:   1. The Market is … Continued

The Investor Taxation Lifecycle

John Boardman

Atheneum

We are not CPAs nor are we tax preparers, but a great deal of our time is spent working with clients and their professionals honing a financial plan that is tax efficient.  We advise our clients to hire a CPA with whom we can work together to manage their financial plans.  The financial plan and … Continued

Markets are Digesting a TON of Information

John Boardman

Weekly Update

Over the last few months, market volatility has dramatically increased.  The CBOE Volatility Index or VIX, created by the Chicago Board Options Exchange, is a real-time market index representing the market’s expectations for volatility over the coming 30 days.  The VIX started the year at just over 17 and has already reached over 28 during … Continued

Behavioral Finance and Asset Allocation

John Boardman

Atheneum

Summary Points:   We simply have to watch money flow to know how “average investors” behave. Investor emotions typically run opposite to sound decision making. Sound allocation planning can provide other positive impacts on your overall plan.   An emotional investor is very likely to make poor decisions over his or her financial life.  Various … Continued

Behavioral Finance and Asset Allocation

John Boardman

Atheneum

Summary Points:   We simply have to watch money flow to know how “average investors” behave. Investor emotions typically run opposite to sound decision making. Sound allocation planning can provide other positive impacts on your overall plan.   An emotional investor is very likely to make poor decisions over his or her financial life.  Various … Continued

Retirement Saving Myths and Misconceptions

John Boardman

Atheneum

We are fortunate to have a very educated and knowledgeable client base, but we are consistently surprised by the myths and misconceptions clients and prospects bring to the conversation. Below I have listed my Top 7 Myths and Misconceptions About Retirement Savings; it is by no means a complete list but highlights the most common … Continued

The Unanswered Economic Questions About Hybrid Work

John Boardman

Weekly Update

Key Takeaways Remote work may be the largest modern shift in employer-employee relations Current tight labor markets have accelerated the trend, perhaps permanently These unanswered questions will determine the future of our economy The trend of changing office work environments is real and significant.  According to a recent study conducted by McKinsey¹ that surveyed 100 … Continued