Simplify Budgeting to One Key Number
“Where does the money go?” is a question we, unfortunately, hear all too often when discussing budgeting and cash flow. Often the only thing simple about a family’s cash flow is that it is simply confusing. Let’s look at how we help simplify complicated family finances into one key number. Often times we see clients […]
Asset Allocation Factors: Time and Emotion
When we meet with a new client, one of our tasks is to determine an appropriate asset allocation for the funds they invest. At a very basic level, the question we are trying to answer is “what percentage of the investment portfolio will be comprised of equities (stocks), and what percentage will be fixed-income (bonds)?” […]
Social Security: Whether to Wait to Start Taking Retirement Benefits
Key Takeaways: You could be facing up to a 30% reduction in your PIA by taking Social Security retirement benefits at age 62. By waiting until age 70, your retirement benefits will be roughly 32% higher than your PIA. The breakeven for taking Social Security retirement benefits at age 70 compared to age 66 is […]
The Inverted Yield Curve of April 2022
Key Takeaways: The 2-year/10-year yield curve inverted for the first time since 2019. This type of inversion has preceded the last eight recessions. Proper portfolio allocation can help insulate investors from the negative outcomes of recessions. Three years ago today, on April 4, 2019, I wrote about the Inverted Yield Curve […]
