AdviceIQ Articles

  • Planning With Adult Children

    Legal documents that may seem mostly for the elderly can mean just as much for parents and their adult children looking to control risk.

  • Why Mortgage Rates Will Climb

    Mortgage rates are up now and are driving higher in the future for two reasons, both emanating from Washington, including one that many are overlooking.

    The first reason is well known: The Federal Reserve is planning to withdraw its bond-buying program. The second reason, whose impact is down the road, is the likely revamping or outright extinction of Fannie Mae and Freddie Mac, the two government-supported mortgage giants.

  • Agility in Your Investing

    Often people see their financial plans as fixed in stone. You don’t want to wander too far off your financial goals, yet goals change. Your plan must evolve with your financial objectives.

    If you talk to a financial planner, the process usually goes like this:

    Step 1. Determine your goals.

    Step 2. Determine your risk tolerance, or comfort with potential losses in the market.

    Step 3. Design a portfolio, within your risk tolerance, to achieve your goals.

  • Know Health Accounts’ Costs

    Open enrollment looms for workers’ to sign up for employer-sponsored health-care plans. This enrollment season promises to resemble few others.

  • Unemployment’s Glacial Drop

    Work, or the lack of it, is what the economy is all about. When Americans are working, they spend money. When they spend money, the economy grows. Too bad that the jobless numbers are dropping so very slowly.

    If the economy is truly recovering, as many pundits suggest, then the unemployment rate should be dropping appreciably. Despite some encouraging indicators, it isn’t.

  • Getting the Most Out of College

    How can you be sure your child gets the most out of a college? A few suggestions from a noted academic: Check out what the college offers in student guidance, don’t pay 100% of the tab and set firm expectations for your kid.

    You may be concerned about finding a way to afford your child’s college tuition while you must save for your own retirement. We financial planners know sometimes it’s hard to strike a balance between your future and your child’s. All the more reason to spend wisely on college.

  • Know the Value of Wealth

    What does it mean to be rich? Some people live by the balance sheet, some die by it. Others don’t even know what a balance sheet is. How do you define wealth for yourself?

    A recent article on CNN Money reported that “a whopping 70% of those with at least $1 million in assets that are invested or available to invest, excluding home values, don’t consider themselves to be wealthy… only when they hit the $5 million mark (did) millionaires begin to feel ‘wealthy.’”

  • How to Tune Out Market Noise

    The clamor of the unimportant should not control your savings and retirement. In today’s digital world, though, you need to sift through a lot of chaff.

  • Broker-Dealers: Not Black Hats

    To hear some tell it, advisors are divided into saints and sinners. The saints are those who work for registered investment advisor firms; they sell no securities and get paid by fees. The sinners are broker-dealers – stockbrokers who peddle product and earn commissions.

  • Family Business Survival Guide

    Too often, a family business gets frittered away when it passes to the next generation. Once a founder is gone, one solution is for the descendants to bring in a team of experts to handle matters like management succession, taxes and asset protection.

    (This is the first of two articles looking at succession planning in small businesses.)


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