Fixed Income (or debt) represents your ownership over the repayment of a debt. Usually considered bonds, they are contracts promising the repayment of loaned money. Other forms of debt arrangements include Mortgage-Backed Securities, liens, loans, and CDs. Fixed income is
The term Equity represents any ownership rights over an asset’s cash flow generation potential. As an asset class, there is no guarantee of a return on your investment, it is the most speculative of assets classes and is the only
Asset Allocation is how we discuss the percent of assets in one of the four main asset classes. It is the balance of risk and reward and is the most reliable leading indicator of the intermediate and long term trajectory
Organize: We’re all guilty of “knowing” where everything is but not piecing it together A big way planners can help out is by helping you simply organize your entire financial life. From insurance, taxes, investments, expenses, real estate, etc, having
There is no secret sauce, working with the right planner gets you to focus on what is important to you, and pairing that with investments that accomplish that goal. For most, the stock market is a marriage of two key
This may be the most difficult time for savers looking to buy a home. As interest rates have plummeted making it more affordable to buy your home, it has decreased what you can earn in a savings account to pretty
This question is very broad, so the answer is likely also very broad. But here are 5 things you can do right now to get started investing in the right way. Timeline – how long can you stay invested for
So bonds are in a rough spot right now to invest in. In addition, there are several historical rules I’ve encountered when discussing bonds with clients. Some examples are: Having a percentage of bonds equal to your age, so something
Being a stay at home parent is a vital role in the long term success of your family’s financial well being. Although your responsibilities don’t entail bringing in income, you do have a responsibility to maximize the income coming in.
We have an agreement, which means we can begin to criticize it and plan for the investment and economic effects. The bill is a litany of half measures, no long term solutions, and likely sets up a couple of battles
If you don’t recall the most famous reindeer of all, Rudolph, the Montgomery Ward creation possesses the special characteristic to guide Santa’s sleigh among a fog that would have otherwise canceled Christmas. Like Rudolph’s nose, I’m going to highlight a
Take a step. Big changes especially long term changes to things like health and finance take time. Don’t make sweeping changes to start, take one step, in the right direction and build off that. Don’t build a budget immediately because
