It’s The Fees That You Don’t See That Should Scare You

One of the first questions that I get from most prospective clients is, “What are your fees?”  In a world in which you can get the fees, and reviews, for just about every product imaginable on Amazon, financial advisors still work in a world of secrecy.  Try going to a financial advisor’s website, assuming they …

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Retirement Income Portfolio:  Dividend Stock ETFs

Bonds have been yielding almost nothing for years and stocks have been rip roaring for the past decade, which has made high yielding dividend stocks very attractive.  People have been looking for high-yield and high-growth investments for years, and dividend stocks have delivered. Would you rather earn 2% per year investing in U.S. treasury bonds, …

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The Best Way to Pay Off Your Mortgage in Retirement

One of the most popular questions I get from retirees is, “Should I pay off my mortgage?” Easy enough question without, unfortunately, an easy answer. The concept make sense, pay down the largest monthly bill that you have, your mortgage, and this will eliminate the need for large monthly distributions from your retirement accounts.   Unfortunately, …

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How To Use BrokerCheck Before Hiring a Financial Advisor

I've written before about the 6 questions  you must ask any prospective financial advisor, but asking questions is just not enough. Most people now will research a restaurant online before going to dinner. Shouldn’t you at least do the same due diligence on a potential financial advisor? Thankfully, there is a great website devoted to …

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Why Eliminating The Fiduciary Rule Is So Good For Me And So Bad For You

Last week, it was announced that the fiduciary rule will be permanently delayed. You may remember the fiduciary rule as the regulation that requires investment advisors to act in the best interest of their clients. Yes, I realize how ridiculous it is that a regulation needs to be created that makes investment professionals act in …

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4 Reasons to Make Roth Contributions in Your 50s and 60s

If you are under the age of 40, making Roth IRA or 401(k) contributions is a no brainer. Putting money into a Roth account that can grow tax free for the rest of your life is a fantastic benefit and the earlier you start contributing, the better. How if you are just a few years …

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