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Erik's Corner

What’s on our mind? You can read about it in our blog. Whether it’s our philosophy on how we work with our clients, ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

 

Friday, November 3, 2017

We look at diversification in two ways—across asset classes and within them. The three major asset classes are stocks, bonds, and cash. You can divide your holdings across those classes for a level of diversification. In...

 

Friday, October 13, 2017

Our rule is that no single growth investment should make up more than 5 percent of your portfolio. That’s the level of diversification that we believe could provide you the comfort of knowing your portfolio will manage through...

 

Friday, September 22, 2017

Many of our clients are affiliated with Procter & Gamble, headquartered in Cincinnati. P&G is a venerable old company, founded in 1837. I worked there briefly, and my wife worked there for many years. I have a deep respect for it P&G...

 

Friday, September 1, 2017

When you’re not working anymore, and you don’t want to change your lifestyle, you need predictable cash flow. That’s why we developed our approach the way we did, with both a Stability Bucket and a Growth Bucket. It...

 

Friday, August 11, 2017

Every portfolio we build is customized to your needs, risk tolerance level, and specifications. But while the details are customized, we believe that every retirement plan should have five years of stability built in. Even when the...

 

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Friday, July 21, 2017

Because withdrawals from the retirement portfolio play such a huge role in retirees’ cash flow plans, it’s important to get this right. The right withdrawal rate generates enough income for the retiree to live comfortably...

 

Friday, June 30, 2017

Like most financial planners, we’ve seen many couples who’ve saved for years, recognizing the need to accumulate a nest egg large enough to see them through their retirement years. They come to us filled with hope for a...

 

Friday, June 9, 2017

Life happens and things change. Some change can be anticipated; some can’t. when it comes to your financial plan, it’s important to recognize that modifications may be needed in light of significant life events. You get a...

 

Tuesday, May 23, 2017

Finding a true financial professional is an understandably daunting task. The financial industry has done itself no favors over the years by continually employing bad actors that put their own self-interest ahead of their clients....

 

Thursday, April 27, 2017

One of the things we always tell prospective clients is that you can’t build a plan unless you are realistic about the possibilities and clearly understand how you are doing. I’m comfortable with giving people the...

 

Tuesday, March 21, 2017

In our financial planning work, we look at five major areas: Estate Planning—Are my will, trust, living will, and powers of attorney still in good order? Are my beneficiary designations consistent with my estate documents? Risk...

 

Tuesday, March 7, 2017

A few years ago, I met with a divorced mother of two teenage daughters whom she was looking forward to sending to top universities - but the cost of college was very worrisome to her. Concerned about where she would get the money for...

 

Friday, February 17, 2017

2016 was a time of tremendous change at Oxford, and we’re grateful to our clients for their support and encouragement. Notable achievements included: Launched our own independent investment advisory firm Obtained significant cost...

 

Wednesday, January 25, 2017

The simple pleasures in life, like quietly reading a book, often bring the most joy. I enjoy reading about history and the economy, so I recently searched online for some of the most popular titles on investment advice. What I found...

 

Wednesday, January 11, 2017

A friend of mine once said, “We spend an inordinate amount of time wondering what people who we don’t even like think about us.” It’s true. Lots of time and energy can be spent thinking about what everyone else...