Time in vs. Timing

We have passed the mid-point in 2018, and the S&P is up—barely. If we finish the year up, it will mark the tenth year of a bull market, which then raises the question: How much longer can this continue? So many investors fear missing out on any gains in the bull market. We also know that many investors are late …

Update: Bonds vs. FIA’s

Recently, I wrote a blog post about bonds and other vehicles vs. fixed indexed annuities. I focused on a whitepaper that I wrote that illustrates a case study on retirement income. More recently, there was an article on Kiplinger’s, which you can find in the references below; the article discusses several different points, but the one that sticks out to …

Ugh….Millennials

As I near my 35th birthday, I reflect on the years that have brought me here and the years I have in front of me. I am, I hate to admit, a millennial. By two years. Millennials are defined by those born between 1981 and 1991. Millennials face a unique challenge when it comes to retirement savings. As the article …

Bonds vs. FIA’s

I remember my first bond. And no, I’m not talking about a spy movie. My first bond was given to me by my grandparents. It paid a healthy rate, 6%, and I held it to maturity and cashed it in, because rates had dropped significantly. And really, that’s where rates have stayed. Near historic lows, bonds do not offer the …

It’s All About the Process

As we wrap up Week Two of the NFL season and Week Three of the NCAA football season, I start to think about all the preparation and work the players and coaches have put in since February. The players nurse their battle wounds, they hit the weight rooms, they practice their position skills. The coaches begin scouting, reviewing game film, …