Planning for an Unknowable Future

Tuesday, March 17th, 2015

We are in the business of helping people manage their financial resources to achieve their varied goals, many of which are years or even decades into the future. But how can we predict a future yet to unfold? Here are some of the tools in our toolbox: Look to the Past – It’s true: past performance does […] More ›


A Trip to the Dentist or a Day at the Beach: What Is Financial Planning Really Like?

Tuesday, March 3rd, 2015

Financial planning is, at its core, a process. While the calculations and conclusions involved in planning are extremely valuable, we would argue the greatest gains are achieved by undergoing the steps themselves. So what exactly do those steps look like? First, the client must gather a host of financial documents such as account statements, wills […] More ›


Umbrella Insurance: How Much Is Enough?

Tuesday, February 17th, 2015

Are your assets adequately protected? These days, lawsuits are common and judgments can be substantial. The more assets you own, the more vulnerable you are. Personal excess liability (aka “Umbrella Insurance”) policies provide you an additional level of liability protection beyond the coverage offered by your basic insurance policies. While there is no one-size-fits-all approach […] More ›


Judy Quoted in The Wall Street Journal

Friday, February 6th, 2015

Judy, our founder and president, was quoted in The Wall Street Journal article “Advisers See a Tough 2016, Seek Bargains” on December 6, 2015. The article can be read by clicking here – no WSJ subscription required. We wish you a happy and prosperous 2016! More ›


Do I Need Long Term Care Insurance?

Tuesday, February 3rd, 2015

Statistically, 70% of all retirees will need some form of long term care services at some point. According to the U.S. Department of Health and Human Services, 2/3 of long-term care comes from family members, while 1/3 of those who need help will eventually wind up in a nursing home or assisted living facility. On […] More ›


Six Strategies for Generating Greater After-Tax Returns

Tuesday, January 20th, 2015

Here are six strategies to help investors preserve their hard-earned investment gains and prevent them from being whittled away by taxes: Hold Appreciating Assets in Taxable Accounts and Higher Yielding Assets in Retirement Accounts By holding assets with the greatest expected capital appreciation potential (e.g. stocks) in a taxable account, investors defer paying tax on […] More ›


Don’t Fear the Correction

Tuesday, January 6th, 2015

Aren’t we due for a market pullback? The end of December marked the completion of 39 full months without a decline of 10% or more in the S&P 500 index. We are experiencing a remarkably long bull market; the average is just 18 months without such a correction. Since the last correction in September 2011, […] More ›