Fee-Only

Since 1926, if you invested in the S&P 500 for any 16 year rolling time frame, you experienced a positive return 100% of the time. For all 10 year rolling time frames since 1926, you experienced positive returns 94% of the time. This shows that, historically speaking, if you invest for long enough the possibility of permanent loss is ZERO, AKA zero risk. 

A lot of people have fantasized about suddenly striking it rich. They imagine that a financial windfall – inheriting a fortune from a distant relative, collecting royalties for a best-selling novel, or even winning the lottery – would make all their dreams come true.

The Financial Standards Planning Board promotes the day to raise awareness about the importance of investor education and protection. But, you know, Financial Planning (capitalizations intentional!) is more than just a day, right? What if I told you it was a lifelong journey?

Being financially savvy will mean different things to different people. But a common trait that the money-smart share is an affinity for long term financial planning and goals.

Those who are great at it don’t have to make huge sacrifices, but still manage to enjoy a high standard of living while traveling and pursuing a range of hobbies.

There’s plenty of opportunity out there for someone who’s unethical to take advantage of good people. That’s especially true when that someone is a financial advisor, so investors need to carefully select whom to trust. What some advisers do may not be criminal, but it’s still unethical because it’s not in clients’ best interests.

An individual’s credit score can impact many areas of life, particularly when it comes to homeownership – yet few, especially Millennials, seem to fully understand how it’s calculated and how it may be improved. In fact, 74% of college students don’t even know their credit score!

When looking for any professional advisor, it is important to be able to match their characteristics, temperament, client profile and experience level to your own profile.

Remember way back to your first paycheck. The moment you open the envelope anticipating the windfall when all your hard work pays off. Then, like a swift kick to your gut, realty hits. Your takeaway earnings are almost always way lower than what you expected.

While nearly everyone could benefit from working with a professional financial planner, the cost is often prohibitive. There comes a time, however, when paying for financial advice becomes a solid investment in your future. How do you know when it’s time to hire a financial advisor?

While nearly everyone could benefit from working with a professional financial planner, the cost is often prohibitive. There comes a time, however, when paying for financial advice becomes a solid investment in your future. How do you know when it’s time to hire a financial advisor?