Target Date/ Lifecycle Funds

Target Date or Lifecycle Funds have exploded in popularity in the last 10 years. Almost all retirement plans today offer some form of turn key asset allocation fund. What should you know about these funds before investing? Are there differences between them and what...

The Most Powerful Single Page in your Financial Plan

The most powerful one page in your financial plan is your beneficiary designation form! Often dismissed as simply a required necessity to open an account, the single page beneficiary form is a critical part of ensuring your funds pass how, when and to whom you want. ...

Fear, Greed and Risk

So the last 12 months in the equity market have been interesting.  Last fall, the markets were in turmoil declining over 14% for 4th quarter. The S&P 500 was down as much as 9% in December alone. Certainly, unnerving performance for most investors. Conversations...

Pre Takeoff Briefing

I recently began flight training for my private pilot license. It’s great fun and something I have wanted to do since I as a kid. It’s exciting to learn something completely new and get answers to questions I have had for years. I enjoy being in the air of course, but...

Efficient vs. Effective

I have recently been dealing with a noise in coming from the front end of my Ford Explorer. I am frustrated because the vehicle is now back for third time to correct the issue, with two separate service centers. I am frustrated because if the tech had simply taken...