My Comments: The roll out of the national web site to get people enrolled in a health insurance plan has been a enormous pain in the you know what, to put it mildly. Best as I can determine, the task was given to folks who fully understood the complexities of the PPACA but didn’t have …
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The Danger Overlooked By Most Long-Term Investors
My Comments: I often tell my clients that if I did have a crystal ball, we’d not be having this conversation as I would probably be vacationing in the south of France. Or somewhere warm. So going into 2014, there are lots of the usual questions including the memorable one in the media these days, …
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Chained CPI Could Cut Social Security Benefits
My Comments: The following is an arcane topic that will bore some of you and cause you to find something else to read. That’s OK. But for those of you interested in what might happen to your Social Security income, you might find it interesting. Economic fundamentals tells you that, over time, a balance has …
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These Retirement Stats Paint A Troubling Picture
January 3, 2014 • Robert Laura One of the many things I appreciate about this profession is the constant and ongoing challenge associated with traditional retirement planning statistics and percentages. Whether it’s the 4 percent rule being argued, new research on the pros and cons of active versus passive investing, or a new study on …
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5 Predictions for the Long Term Care Insurance Industry in 2014
My Comments: This is again one of the most difficult topics facing any of us who hold ourselves out as financial professional. But with the baby boomers aging, and medical science keeping us alive longer and longer, it’s a topic that will not go away. There is a statistical reality that is impossible to ignore. …
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Solving the Shortage in Primary Care Doctors
My Comments: I have a number of physicians among my clients and friends. Virtually all are uncertain about how the PPACA is going to impact their profession. Those not retired are concerned, but understand that if their commitment to their patients stays as strong as it is now, they will be OK. But that doesn't …
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10 Estate Planning Tax Facts You Need to Know
My Comments: For many advisors, estate planning will take a back seat as the combined exemption (husband and wife) now exceeds $10.5M. That eliminates a lot of folks who nevertheless have substantial wealth. But there are still questions that should not be ignored. Here’s a quick summary that will put all this in perspective for …
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Forecasting the Year Ahead, and Preparing to Be Wrong
My Thoughts: If this were my original work, the ttle would more likely be “My Best Guess for the Markets in 2014.” The emphasis is on guess and it only exists because as a so called expert, I’m supposed to know. Only I don’t. I think I know what I’m having for supper tonight because …
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The Affordable Care Act’s Most Important Date: Not What You Think
My Comments: You already know my opinions about the PPACA and how it will morph over the next ten years. Here’s another element that will focus people’s attention as contrasts start to appear between states that are willing to participate and those that do not. Since Florida has chosen to NOT participate in the Medicaid …
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Don’t Fret About Soaring Asset Prices – This Time Is Different
My Comments: I hope everyone had a safe and happy celebration to start 2014. With it coming during the middle of the week, my internal calendar is kinda messed up; it seems today has to be Monday. But back to the real world. My first inclination when asked to understand something not readily understood, is …
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Helping Define Your Financial Future 