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How Emotional Decisions Can Ruin Your Investment Strategy

More money is left behind than lost during market declines. When an investor reacts emotionally to declines, they often pull money out of the market, derailing their investment strategy and leaving them much less exposed to equity markets. Often, these moves are made very near the bottom of the market and the investor leaves behind a substantial portion of return. Read more

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When Can You Retire?

Not surprisingly, one of the most common goals financial planners help their clients with is analyzing cash flow in retirement so they can live their lives comfortably without worrying about outliving their money. Cash inflow in retirement can come from many sources (Social Security, retirement plans, savings, annuities, pensions) so it’s important to consider how much and when to expect cash inflows. Read more

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Advice For Choosing A Financial Advisor You Can Trust

Published by Erik Christman, CFP®, CPA | May 07, 2018

There’s a lot of noise out there. The internet has transformed the world, releasing the power of information in amazing ways. But it also has become a venue for the dissemination of much nonsense. Every talking head or columnist seems to profess a different strategy, and in no industry is that truer than financial services.

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Why Diversified Investments Are Crucial

Published by Tyler Schlumpf

There are two main types of risk involved in investing: systematic and unsystematic risk. The first, systematic risk, is the general market risk all investors take when they buy stocks and bonds. Unsystematic risk, however, comes in many different forms. Specific company, credit and liquidity risks are just a few. While systematic risk cannot be diversified away, unsystematic risk can through diversified investments. Read more

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How Much Do I Need to Retire?

Most people plan to leave the workforce at some point in their life.  While some have a desire to maintain a sense of purpose by working well into their seventies, we more often find ourselves helping people plan for an earlier departure. Achieving financial freedom, or the ability to work because one wants to and not because one needs to, takes time and thoughtful retirement planning.  Read more

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What Does Your Retirement Look Like?

Published by Jake Bleicher

When I think of retirement, I think of spending a month traveling throughout Asia tasting exotic cuisines. I want to go fishing in Alaska with my buddies and send my grandchildren to college. I want to surprise underprivileged children with presents on Christmas, donate to cancer research and leave an inheritance to my children. More than anything, I want the freedom to do what I want to do. I want to enjoy retirement. It is a goal I am working diligently towards. Read more

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Know The Risks

Published By: Erik Christman, CFP®, CPA 

While I’m an optimist at heart, I don’t wear rose-colored glasses. I recognize that there are risks that must be addressed in financial planning, specifically:

  • Inflation risk – Inflation has always been, and always will be, the number one threat to a successful retirement. And the only proven way to combat this risk is to have a healthy dose of stocks in your portfolio to provide the potential for longer-term growth needed to outpace inflation.

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Unabashed Optimism

Published By: Erik Christman, CFP®, CPA 

It seems sometimes that we go out of our way to find things to worry about. Whenever I hear talk about how bad things have become, I understand that, yes, some people are hurting and need our help, but the vast majority of Americans wake up each day with a roof over our heads, clean water and more than enough to eat. Read more

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It’s Never Different This Time

Published By: Erik Christman, CFP®, CPA 

Most of us remember exactly where we were the morning of September 11, 2001. That horrific day not only changed the lives of thousands of families in New York; it also set our country on a complicated path the outcomes and implications of which are still being debated. We will truly never forget.  Read more

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Rebalancing

Published By: Erik Christman, CFP®, CPA 

Rebalancing is an important discipline in portfolio management. At least annually you should compare your current portfolio to your original investment plan and make sure the portfolio is still on track. Why is this important? Because a particular style often will go through a cycle of three, four, even five years when it is in vogue and has a great run. For example, for three years in the late 1990s, it seemed you could do no wrong in the tech space.The NASDAQ Composite climbed from around 1,300 in late 1997 to 5,048 in March of 2000, an incredible gain of 288 percent in a little over two years! But then, just a year later, it fell to 1,900 and eventually dropped to just above 1,200 in September of 2002. All of those spectacular gains achieved in two years were totally wiped out two and a half years later. Read more