Time in vs. Timing

Update (8/22/18):  It has now been 3,453 days since the S&P 500 hit a low of 666 during the 2008 financial crisis.  This is now the longest bull run in history.  Let’s take a quick look at what happened after two other historically long bull runs. October 1990 – March 2000:  Climbed 417% before having three consecutive years of -9.1%, …

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, …