AdviceIQ Articles

  • Find a Safe Withdrawal Rate

    How much can you withdraw annually from your investment portfolio to be sure you don't outlive your money? Here are three tips to get you through retirement financially.

    Don’t get bogged down worrying about exogenous issues like inflation rates, historical investment rates of return and life expectancy projections. Instead, focus more on the things that you can control like living within your means, how much you pay in taxes and taking appropriate risk for your situation.

  • Diversify Before the Bond Bust

    One asset class that you should be wary of today is bonds. A piece of conventional wisdom is to allocate half of your portfolio to bonds, as ballast in case the stock market teeters again. Think twice about that.

    Risk management is the key to long-term performance, and a diversified asset allocation is the best way to achieve this. Too often, investors seek big short-term returns when their focus should be on return performance with preservation of capital over three, five and 10-year intervals.

  • Cyber Threat to Your Wealth

    Hackers can wreak havoc on your financial life. You should know how to thwart them.

    Ignorance is rarely, if ever, bliss and protecting your identity online is no place to be flippant. In fact, the Web is one place you should be the most paranoid. My firm spends multiple hours weekly, studying strategies to protect our clients’ wealth. One large area of attention is identity theft.

  • How to Make a Bond Ladder

    Sooner or later, today’s low interest rates will rise. When they do, you don’t want to be stuck earning today’s low yields. But there’s an ingenious antidote, called a bond ladder. It allows you to get steady retirement income with stability and safety.

    Here is how you do it.

    First, let’s start with the concept: A bond ladder takes a portion of your retirement savings allocated to interest-earning investments and devotes it to a specific year in the future when you need funds to supplement your expenses.

  • Warning: Stocks Get Popular

    Individual investors are moving into stocks. And the smart money is moving out. This new popularity of equities is a warning sign.

    With the Dow Jones Industrial Average pushing past 14,000, individual investors jumped back into the stock market. Unfortunately for them, insiders are betting that the rally is already over. They quietly sell their stocks for what they believe is the best price they can get.

  • Why the Rally? No Calamity

    The stock market engines aren't terribly concerned with either the economy or corporate earnings. So long as the bottom isn't falling out, that's enough.

    Maybe the economy will grow 1.5% this year and 2.5% next year, or maybe it won't. The critical factors are the central banks (i.e., the Federal Reserve and the European Central Bank) and the calendar.

  • Do I Have Enough to Retire?

    The most important retirement planning task for your last working year is calculating where your income comes from when you retire. This probably seems completely obvious, but it usually isn’t. Your portfolio needs to yield more every year to keep up with inflation.

  • Home Office Deductions 101

    As tax season begins, you should look for all the deductions you can find. Don’t overlook the one for home office expenses. Many taxpayers are not clear about the rules and often shy away from this write-off because they think it’s too risky.

    But if you have a legitimate home office and report your expenses properly, you have nothing to worry about.

  • Diversification & Valentines

    With displays of Valentine candy in every store, now is the perfect time to talk about chocolate. A creative financial advisor might even steal Forrest Gump's analogy and say, "Diversification is like a box of chocolates."

    Except that it isn't.

    True, a box of chocolates has a lot of variety. Cream centers. Caramels. Nougats. Nuts. Dark chocolate. Milk chocolate. Truffles. Yet it's all still chocolate.

  • How to Count on Yourself

    Don’t count on government benefits when you are old. How Washington will meet that huge demand is hard to see. So you need to plan now to fund your own retirement.

    Before Congress delayed the debt-ceiling showdown for a few months, President Barack Obama warned that, if the Uncle Sam could not borrow more money, Social Security checks might not go out.


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