It’s Time to Get Fiscally Fit

March 2, 2017

The top New Year’s resolutions are to lose weight, get organized, spend less, save more and get fit and stay healthy.
It’s the end of January. How’s that going for you?

At the start of every year, more than 40 …

Wall Street’s Double or Nothing

May 20, 2016

The odds of Leicester City Football Club winning the Premier League were 5,000 to one. If you had bet your entire retirement on Leicester, your retirement date just moved up by about 50 years.

The S&P 500 Index is now …

April 18: Lucky Day for Scammers?

March 24, 2016

Just imagine robbing a bank on the one day that millions of people have made a deposit amounting to billions of dollars.

April 18, or Tax Day 2016, is that one day this year for a certain type of scammer. …

Tax Time — It’s Either You or Your Uncle

January 11, 2016

Did you know that if you pay $10,000 in taxes this year it could easily amount to over $26,000 in wealth over 25 years?

Far too often I see clients who unnecessarily give away money, both in taxes and lost …

Hitting Delete on Social Security Provisions

November 19, 2015


The Social Security Handbook has 2,728 separate rules governing benefits. But that’s just the handbook. The Social Security Administration operating system has thousands more rules and interpretations, putting to shame the 72,000 pages often cited by political candidates about …

The Retirement Trap

October 26, 2015


Traditionally, we are taught to work hard, save hard, pay off our mortgage, contribute the maximum to retirement accounts and plan on downsizing. Plus, word on the street is that you will be in a lower tax bracket when …

Student Loans: Bankrupting the American Dream

September 17, 2015

my children’s student loans are forgiven … if I die. You heard me right. If I take out a Parent Plus loan and I die, the student loans will be forgiven. Unfortunately, this isn’t an attractive financial planning strategy.

As …

Points in Our Favor: 2015 Mortgage Rates Looking Good

February 26, 2015


When it comes to predicting mortgage interest rates, during certain years economists are the smartest persons in the room. 2014 was not one of those years.

In 2014, economists theorized that when the Federal Reserve stopped its program of …

Rates Cool As Summer Heats Up

July 16, 2014


It seems that when the nation’s economy is ready for a breakout the Eurozone economy stands up and spoils the party.

The June report released the first week of July recorded 288,000 new non-farm payroll jobs, which blew away …

Mortgage Interest Rates Defy Most Experts

June 27, 2014


The mortgage market is defying almost all economists’ short-term forecasts. Most expected bond yields and mortgage yields to be on the rise in 2014. This has not been the case. The 10-year Treasury yield hit its high-water mark at …