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Financial Planning is for Everyone

Published by Beth Schanou

Everyone can benefit from some form of financial planning. Not all plans look the same because we are individuals and have unique needs, but the need for some amount of planning is present for every age group and financial status. Often this can be difficult to embrace because in order to plan effectively, there is a need to open up and share personal information including finances and goals. This isn’t always easy. Read more

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Twenty Times As Much Comfort

Published By: Erik Christman, CFP®, CPA 

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 good times and bad, whether for the economy or for a particular holding. Read more

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Medicare 101: What You Need to Know

An often overlooked aspect of financial planning is considering health insurance options. Health care costs continue to rise, and as you grow older the likelihood you’ll need those services increases. Read more

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Diversification

Published By: Erik Christman, CFP®, CPA 

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. Read more

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Safeguarding Personal Information

Electronic theft of personal information is the fastest-growing crime in the United States, with more than two billion personal records stolen worldwide in 2016. Protecting your personal information is a key component to reducing the potential that your information may be stolen. Read more

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Predictable Cash Flow

Published By: Erik Christman, CFP®, CPA 

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 comes down to a fundamental of money management: You don’t want to be withdrawing money from a fluctuating account in a down market. When you sell in a down market, either out of panic or out of necessity, you are locking in your losses. Read more

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Five Years of Stability

Published By: Erik Christman, CFP®, CPA 

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 economy is humming along, you can be sure that the time will come when it will be dragging. You need protection so you can weather the bad times without panic or worry. Read more

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Fees or Foes

Published by Scott Kubie

Recently, a fee-only financial advisor mentioned to me that more clients are proposing to manage more of their own assets and invest in the “S&P 500.” For most who go down this path, this move will likely end badly. These investors, while seeking to avoid wealth management fees, are ignoring the value their advisor brings to them as well as the current market environment. Read more

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Retirement Withdrawal Rates

Published By: Erik Christman, CFP®, CPA 

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 today, while still enabling the growth needed to meet cash flow requirements 30 or 40 years into the future. This is no small task. Read more

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It Depends…

Published By: Erik Christman, CFP®, CPA 

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 fruitful retirement, yet grappling with uncertainty. They might have a million dollar portfolio, thinking, “We’re millionaires – surely we’re set for life…right?” Until we take a closer look, there’s not much I can say except, “Well, that depends.” Read more