AdviceIQ Articles

  • Workers’ Stock = Your Exit?

    Every owner looks for the best way to retire from a beloved business. One employee incentive may be your best answer: employee stock ownership plans (ESOPs).

    These qualified retirement plans must invest primarily in the stock of the sponsoring employer. If you master its intricacies, an ESOP might be a good decision for you and your employees.

    Elements to consider:

  • How to be a Happy Retiree

    People who feel more secure about their finances are more likely to be happy in retirement, a survey by Northwestern Mutual Life Insurance shows. If you don’t want to fall into the unhappy retiree camp, or even worse, not have retirement as an option, learn to avoid the pitfalls, and start saving today.

  • Low Wages Keep Rates Low

    Don’t rush to get rid of bonds yet. Rising interest rates, which harm bond prices, are not in the offing. Despite good news on jobless figures, the Federal Reserve’s concerns about wages may keep rates low for longer than markets expect.

  • Advisors: What Women Need

    Anyone familiar with John Gray’s Men Are from Mars, Women Are from Venus knows the premise that men and women communicate very differently. Perhaps this explains why most female investors prefer to work with a female advisor and most married women leave a male advisor after the husband dies. Starting with the first conversation, women want, need and deserve distinct treatment from financial advisors.

  • Pay Off Student Loans Early?

    Temptation runs great to whittle today’s enormous student loans as fast as possible. As with many financial planning issues, a number of questions help you decide if paying off your loans early is in fact a good idea.

    First, paying loans off quickly may actually seem more possible than headlines about a looming student-debt crisis claim. According to a recent report from the Brookings Institution:

  • Finding Long-Term Stocks

    A constant mantra in the investment world is that it pays to own good stocks for the long term. The question is: How do you find these long-term winners? This is very difficult, as the most recent quarter illustrates. Let’s examine the field.

  • Getting Financially Fit

    Like maintaining your physical health, finances fitness takes consistent effort and discipline.

  • Why Millennials Need Roth IRAs

    If 20-somethings ask me what to do to get ahead financially, I have a laundry list: create a budget, start investing now, be smart about your taxes and so on. If I absolutely have to narrow it down to one thing, I’d say, open up a Roth individual retirement account.

  • No Jobs for Grads? Not Really

    Maybe all is not rotten for young people in the quest for employment. At first blush, can you think of a tougher time to graduate from college than the start of the recession? Talk about bad timing – or was it? According to the National Center for Education Statistics, 83% of the college grads from the spring of 2008 are now employed.

  • What Can You Delegate?

    There are things in life that you can, and should, delegate. Financial planning is one of them.

    Each of us has 168 hours in a week. After subtracting the time you work, sleep, eat and bathe, you are left with only a few precious hours to do whatever pleases you. If you spend 10 hours a day working and commuting, two hours eating, and eight hours a day sleeping, that leaves you 48 free hours. So how do you choose to spend your time?


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