Whitepapers
Whitepapers
Back 2 Basics
The good news is that American households have a total net worth of $85.2 trillion. The bad news is that most families are still behind where they were financially in 2007. In a recent survey, over half of Americans said they had less than $1,000 in their checking and savings accounts combined.
Whitepapers
Investment Process
As investors, we would all like to effortlessly beat the markets, buying and selling investments based on brilliant timing, instinct and a little luck. But most of us realize it’s not that easy.
Whitepapers
Seasons of Investing
For wealth advisors, employing a sell discipline is based on constantly monitoring each investment and each client portfolio for any changes that could affect current prospects and future earnings. Sometimes investments have reached a point of maximum, or near-maximum, growth. Other times changes in the economy as a whole dramatically impact the outlook for certain investments. A wealth advisor’s goal is to not only select the right securities and investments to buy but also to select the right time to sell. In a larger sense, the goal is to accept small losses in order to avoid large losses. The goal is not only to grow a client’s wealth but also to preserve that wealth.
Whitepapers
Living in Retirement
Making the most of your years in retirement also requires a sense of financial well-being—the knowledge that you won’t outlive your assets or create a financial burden for children or other loved ones. In this guide, learn how to minimize risk factors, the three stages of spending and what you can do to reduce your financial stress and anxiety.
Whitepapers
The Family Budget: Financial Empowerment at Your Fingertips
Managing family finances has become more complex than ever as the economy, job market and family structures have all undergone dramatic changes in recent years. American families continue to evolve at a rapid pace, resulting in new and complex financial concerns and challenges.When is the last time you sat down to review your family budget? Read this whitepaper for important tips on budgeting, savings and insurance.
Whitepapers
The (True) Cost of Investing: Why Fee Transparency is Critical to Determining Underlying Investment Value
While investment fees and expenses are required to be disclosed through investment prospectuses, layers of complexity, financial jargon and “hidden” fees can make it difficult for investors to understand the true underlying investment costs and the impact expenses have on their investment returns.
Whitepapers
Your Family Index Number: Defining Your Future With Confidence
Long-term financial security is a goal most investors aspire to, yet accomplished individuals and families know that attaining this objective requires more than hard work and luck. Check out our whitepaper which discusses how a personalized and focused approach begins with determining your Family Index Number; the individual rate of return you need to achieve your goals and objectives with confidence.
Whitepapers
Maximize Social Security Benefits & Minimize Tax Burden
Electing to receive Social Security benefits at early retirement age may result in higher personal income taxes and a smaller nest egg, particularly for high net worth individuals. In this paper, we’ll shed light on common Social Security myths and provide options that, in certain instances, could decrease your payments to Uncle Sam and increase the financial legacy you leave.
Whitepapers
Cross Generational Financial Planning
Millennials are poised to inherit approximately $41 trillion from their Baby Boomer parents over the next 40 years. The result will be the single largest intergenerational wealth transfer in human history. Many older clients, however, are beginning to voice growing concerns over the financial preparedness of their Millennial children, fearing they may lack the wherewithal to deal responsibly with a sudden influx of wealth.