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Monday, May 13, 2024

As we advance through our careers and begin to near retirement, our retirement savings should start changing its nature. Younger people who still have a long time to wait should remain invested heavily in higher-risk and higher-return...

Sunday, May 5, 2024

It’s that time… a year divisible by 4. That means it’s time for Americans to decide who will be our president for the next four years. I’m sure we all have opinions on the direction our country is headed, and thus have an idea who...

Wednesday, April 24, 2024

Over the last 2 years, our housing market has been shaped by a couple of dominating factors. Factor one is the general acceleration of the interest rate environment. Factor two is the availability of homes to buy. It’s all highly...

Tuesday, April 2, 2024

This is a subject that’s been discussed before, but I feel like it’s extremely important to address today. The short answer is yes, absolutely. Prudent investing revolves around something called risk-adjusted returns. What does that...

Wednesday, March 13, 2024

The typical American citizen lives a relatively predictable life cycle. At the age of 4 or 5, we enter the education system. After achieving whatever level of education we desire, we exit that system and become wage earners. We earn...

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Thursday, February 29, 2024

I just received this chart from our friends at MFS®. I’ve seen these many times over the years I’ve been in the business, and I think this is an extremely informative visual. What are we looking at here? This rather...

Thursday, February 1, 2024

Through 9 months of 2023, the stock market was more-or-less stuck in the mire that bogged it down during the summer of 2022. We were in a bear market (another name for a market that’s significantly off its peak value) for well...

Friday, January 12, 2024

Saturday, November 25, 2023

Social Security is an extremely important part of any potential retiree’s financial plan. It’s complicated and there are thousands of different experts with opinions on how you should use it. Questions you may be asking...

Thursday, October 19, 2023

In late 2007 and into 2008, the housing system broke, the stock market imploded, and the banking system cracked. The S&P 500, which peaked at 1,565.15 in October of 2007, fell to 676.53. That’s a 57% drop, in case you were...

Monday, October 2, 2023

“The market is up in 2023, so why hasn’t my investment portfolio made a lot of money?” This is a relatively common question that requires math, a narrative, and knowing how an index works to answer.

Friday, September 15, 2023

A Roth IRA conversion is the practice of taking traditional IRA funds and turning them into Roth IRA funds. Wow, that was the easiest article I’ve written. Have a great day! OK, so yeah the above is true, but like everything else...

Wednesday, September 6, 2023

Let’s start with the idea that your money is always invested SOMEWHERE. Whether that is in your checking account, stocks, bonds, or your mattress, you’ve made a choice to put your money somewhere and it’s either...

Thursday, August 17, 2023

By now we are all keenly aware of the word “inflation” and what it means. News stories about skyrocketing egg prices, staggering home prices, and increased car prices have been dominating the news for a year or more. We...

Sunday, July 30, 2023

Retirement preparation is, behind accumulating wealth, the most important financial step we will take in our lifetime. Let’s talk about what you should do to prepare for your own retirement and when you shout start that journey....

Friday, April 28, 2023

The world of deposits, investing, and savings have all been extremely dynamic places to be over the last year or so.

Sunday, February 19, 2023

When getting to know people, one of the most common questions we ask one another is: “What do you do for a living?” Interestingly, our answer to that question is almost always wrong. When someone asks us what we do, we...

Tuesday, February 7, 2023

Many of us own securities outside of our retirement accounts. Those investments are exposed to tax implications throughout their existence. Things like dividend income, interest payments, and realized capital gain can all generate tax...

Thursday, February 2, 2023

That disclaimer is attached to the bottom of many of these articles that you read. As a matter of fact, it’s likely the single most used disclaimer in my industry. Why would you care about this disclaimer and what does it really...

Tuesday, August 30, 2022

When we buy stocks, we all hope their price will appreciate.  Buy stock in a company at $100.  Hold that stock.  Watch the company’s stock price grow.  Sell your shares.  Profit.  It’s...

Wednesday, August 17, 2022

Almost everyone in America is familiar with the term “S&P 500”.  We all know, in a nutshell, it is one of the most popular ways to benchmark the U.S. stock market.  Have you ever wondered what the S&P 500 actually...

Wednesday, August 10, 2022

When saving for retirement, the I.R.S. tax code allows many of us to choose one of two forms of tax qualification.  Without delving too deep into who may or may not be eligible for either one, or in which type of retirement plan...

Wednesday, August 3, 2022

Today let’s talk about two basic types of stocks for investment purposes:  growth vs. value.  These types of companies serve a very different purpose in your portfolio.  Both (or either) can be very useful...

Wednesday, July 27, 2022

Managing money: the Distribution Phase.There comes a time for most of us when we want to spend some or all of the money we have saved.  Retirement is a unique concept when it comes to money.  Most distributions involve saving...

Wednesday, July 20, 2022

Since the 1970’s, employers have slowly been leaving the older pension-style retirement plans (called defined benefit plans) and cycling into plans that allow employees to determine how much of their compensation they want to...

Monday, July 11, 2022

 Investing in uncertain times:The S&P 500 has logged annual gains in 12 of the last 13 years.  Since the housing market collapse of 2008, the market has been on more-or-less a consistent run upward.  The one year it did...

Wednesday, July 6, 2022

Here in the United States, property passes by 2 forms: by title and by will.  Property with a qualified beneficiary or co-owner immediately passes as part of the property registration when an owner dies.  Property without...

Monday, June 27, 2022

Long Term Care is a giant dark cloud that hangs over retirement planning.  Not only can the need for long term care rob your quality of life, it can financially ruin you in the process.Statistically speaking, the longer you live,...

Friday, June 24, 2022

We are thrilled to send our collective CONGRATULATIONS to our very own Caroline Korte!  She was honored earlier today as this year’s recipient of The Ladd Mathis Award by the United Way of Paducah/McCracken County!...

Wednesday, June 22, 2022

In the past, I’ve spoken about portfolios and how they should be built.   There are a lot of factors that come into play when putting an investment portfolio together for a client, but at its simplest form most...

Tuesday, May 10, 2022

Saturday, May 7, 2022

Over the last 100 years, the American consumer has been increasingly accepting of debt. Is that a good thing? Is that a bad thing? What IS debt? How is it used? What does it do?

Tuesday, February 8, 2022