Retiring is Hard

In my years as a financial advisor I have helped dozens of clients retire. Most very successfully and a few not so successfully. I have been with them through the thought process leading up to their decision to leave their career. The analysis, the planning, the...
Why I Became A Financial Advisor – 25 Years Later

Why I Became A Financial Advisor – 25 Years Later

By Bill Reiner, CFP®, ChFC® 2020 represents my 25th year as a financial advisor. It has been an interesting year reflecting on my career and how it has evolved over that time. Many of us grow up learning what we are good at and what we enjoy doing with our time. If...

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...