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Building Your Retirement Nest Egg

In previous articles we explained how to estimate the amount you’ll spend each year once you stop working, and the size of the nest egg you’ll need to support that spending. The next step is to figure...

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Investing for Retirement

Our last article addressed how much and how you should save in order to accumulate your retirement nest egg. Now we’ll discuss how to invest those savings. Since we can’t predict the future no one...

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The New Retirement

For many Americans, the concept of a traditional retirement, thirty or more years of leisure after a productive career is neither realistic nor appealing. Increased life expectancy, better health, and...

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Sales Pitch or Sound Advice – Part One

Individuals trying to plan, save and invest for their futures are increasingly seeking out professional advice. Unfortunately, many are forced to search through over 200 financial services designations...

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Sales Pitch or Sound Advice – Part Two

In my last blog post I talked about the basic differences between brokers and Registered Investment Advisor (RIAs) including how they are governed, their compensation arrangements and their legal...

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The Retirement Crisis Next Door – Part One

Since the 1950s academic and financial industry researchers have developed an impressive literature on the financial readiness of American workers for retirement. The general conclusion is that a large...

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The Retirement Crisis Next Door – Part Two

In my last blog post, we talked about why many Americans are not prepared for retirement. In the new book, “Falling Short: The Coming Retirement Crisis and What to Do About It” (Oxford University...

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Elder Caregiving – Part One

Love, respect, and devotion to one’s spouse or parent manifests itself in many ways but perhaps most meaningfully as the sense of obligation to care for that person throughout their old age. Based on...

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Elder Caregiving – Part Two

In our previous post, we talked about how the increase in the nation’s elderly population has placed much of the responsibility for long-term care, squarely onto family members. Now let’s discuss the...

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A wake-up call – Part One

There is a common belief that greed and fear drive the financial markets. The harsh reaction to recent events shows how quickly investors can shift from one to the other. Reports of a slowdown in...

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A wake-up call – Part Two

In my last post, I talked about some of the issues that triggered the recent sell-off in the U.S. stock market. Now let’s talk about how we can use this experience to provide some investing insights...

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No time like today to save for tomorrow – Part 1

A long, healthy life is a blessing. The good news: Americans are living longer than ever before. Life expectancy has increased dramatically in the last few decades as a result of major advances in...

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No time like today to save for tomorrow – Part 2

In my last post, I talked about the importance of making good financial decisions when planning for retirement. Although people have good intentions about how and when to save, left to their own...

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What is Life Cycle Finance?

Life cycle theory is one of the more exciting and useful areas of research in personal finance. In broad terms, it represents the body of economic theory and knowledge that examines how individuals can...

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The Value of Human and Financial Capital

The financial life cycle model involves the process of managing two distinct, but related assets that individuals have on their personal balance sheets. If managed properly both can be used to fund a...

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The Cost of Retirement

Retirement is expensive. How much money you will need each year when you stop working depends on your individual circumstances and the kind of lifestyle you expect to live. Your estimate will be the...

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Compound Consequences

Underestimating the impact of compound growth on a household’s finances can lead consumers to make poor economic decisions including borrowing too much and saving too little. There are three main...

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How investors beat themselves

“Surprise! The returns reported by mutual funds are not actually earned by mutual fund investors.” This is how John Bogle, founder of Vanguard Mutual Funds begins the chapter titled The Grand Illusion...

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Beware of “expert” financial advice – Part One

As information has become more easily accessible through the Internet, consumers are more inundated than ever before with personal finance advice from every imaginable source. Because much of it is...

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Beware of “expert” financial advice – Part Two

In my last post, I talked about the newest book written by self-help coach Tony Robbins, “Money: Master The Game.” A portion of the book is dedicated to his human performance and achievement philosophy...

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