AdviceIQ Articles

  • How to Hedge for Inflation

    No investment can perfectly hedge inflation, but placing some protection against inflation in your portfolio is still possible. Your best bets are short-term Treasury Inflation Protected Securities and commodities.

    When evaluating whether an asset class effectively protects against inflation, we examine the correlation between the returns and inflation. The stronger the correlation is, the better inflation protection the asset provides.

  • What to Do With an Old 401(k)

    It’s a question my clients ask me all the time: “What should I do with my old 401(k)?” When you change jobs, you can keep your 401(k) where it is, or roll it to other accounts.

    Let’s examine your choices:

    Roll your 401(k) to an individual retirement account is usually the default option I recommend to clients. Flexibility is the primary reason.

  • Credible Customer Service

    If earning your customers’ trust is not your top concern, your business can’t thrive. How your employees behave, how much they identify with customers and how they rectify problems are the keys.

    I’ve complained for a long time about the lack of good customer service. Too often, I do business with a company, only to be sorely disappointed. If your customers do not believe you will satisfy their needs, how can you expect repeat buyers?

  • Prozac Nation, Street Version

    It’s all stress-free bliss these days, at least for anyone who’s not paying attention. Downdrafts, like the one in early July, are brief. Wall Street sees nothing really bad on the horizon. It should, like when today’s low interest rates rise, for instance.

  • Estate Planning: Start Young

    As graduation season fades and high summer begins, many parents and recent graduates think about finances and the future. Too many forget about estate planning for young adults, a key tool to prepare for medical and financial emergencies.

    Let’s answer some common questions on this vital subject:

  • Readying a College Freshman

    Got a freshman in your home this fall? Besides packing linens and pillows, don’t forget to prepare for your kid’s financial needs.

    The time has come for my daughter, Elizabeth, to go to college. Planning is key to ensure a smooth transition. It is both exciting and overwhelming, as much for her as for me. Making sure that she has everything she needs helps me in the transition (I know – I’m a bit of a control freak).

  • How the Past Hurts Returns

    We all tend to use experience to predict the future. The technical term for this is recency bias and it’s one reason many investors fall short of potential success. How do you purge your own bias and improve your portfolio’s returns over time?

  • How to Stop Workplace Theft

    Companies lose around 5% of revenues each year to employee theft, according to an annual report of the Association of Certified Fraud Examiners. Small businesses are especially vulnerable because they lack of proper controls. As a business owner, however much you trust your employees, you need basic strategies to reduce your risk of becoming a victim.

  • Staying on Top of a 401(k)

    Lots of investors never bother to check on their 401(k) regularly. But you should keep a constant eye on your funds’ risk level, whether your asset allocation is out of whack and if your beneficiaries still are the ones you want.

    When you first start a job and join a 401(k) or another employer-sponsored retirement savings plan, you fill out a few forms, decide how much you want to contribute, and you pick some investment options.

  • To the Rescue: Boomers

    With wages stagnant for the past decade and the cost of necessities rising, many folks’ ability to meet living expenses continues to shrink, let alone their capacity to spend for fun stuff. And that’s not good news for the U.S. economy. When it comes to increasing consumer spending to lift the economy, our only hope lies with the baby boomers, who have the most discretionary income to spend.


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