My Comments: The questions surrounding Social Security are almost endless. It’s a complicated system and as more and more of us reach eligibility, it is clear that simply signing up as soon as you are eligible will cost you and your family lots of money and options over the years. Philip Moeller / Sept. 9, …
Continue reading When It Comes to Claiming Spousal Benefits, Timing Is Everything
My Comments: For over a year now, I’ve been warning my clients that a reversal is coming in the stock market. As a result, we’ve slowly moved into investments that have reacted positively and made money during downturns. Only it hasn’t happened yet. Consequently, some of them are frustrated and angry with me because while …
Continue reading Being a Stock-Market Bull Just Got a Lot Harder
My comments: Yes, I know this should have been posted several weeks ago. But I didn’t have it then. The advice come from an attorney in Michigan by the name of Julius Giarmarco whose website can be found HERE. I’m unsure how rules in Michigan differ from any other state but I suspect the fundamental …
My Comments: Helping potential clients with an analysis of coming Social Security benefits is big business across the country these days. And I’m doing my share of it. Thank you very much. But in spite of my being closely aligned with this process for the past 15 months, I’m still confused by the myriad of …
Continue reading Social Security: Boost Benefits for Both Spouses
My Comments: This is a writer I’ve learned to enjoy over the past several months. I’ve used his articles before and I do so here again. He makes such good sense. posted by Jeffrey Dow Jones July 17,2014 in Cognitive Concord I get all sorts of questions from all sorts of different investors. As strange …
My Comments: Football season is about to start, Ukraine is still bothered by the Russians, and Ferguson, Missouri is still a mess. So here I am talking about the stock market and an index I have never heard of before. I suspect you haven’t either. But there is reference here to the Misery Index, which …
Continue reading Gauging The Stock Market With The Tocalino Index
My Comments: This is a self-serving blog post. While I should apologize for this, there are millions of Americans who will find themselves looking for financial freedom in the years to come and unless they have developed the necessary skill sets, they will find themselves behind the curve in a big way. Somebody has to …
Continue reading 9 Reasons Consumers Need Advisors More Than Ever
My Comments: Some of you are aware of my continued interest in the welfare of the magnet programs across Alachua County. I’ve been a member of the advisory board to the two programs at Buchholz High School since the mid 90’s. They are, respectively, the Academy of Finance and the Academy of Entrepreneurship. The original …
Continue reading Vocational Training Is No Substitute For High School
My Comments: One thing I’ve learned over the years is that people in my profession have a profound bias when it comes to trying to explain the dynamics of money. We include a lot of self promotion. I’ve also learned that I’m not immune to this bias. Some of this is justified since probably 95% …
Continue reading 3 Essentials Missing From Many Retirement Plans
• It’s too expensive • My attorney takes care of that • Planners just want to sell me something • Too complicated • It may jeopardize my own financial security • My children want me to spend it all • Leaving too much to my children can make them unmotivated • My children are financially …
Helping Define Your Financial Future 