Are you questioning why market timing doesn't work? Or asking yourself - What’s the big deal if I miss a day or two of stock market trading? 

When the prices of goods and services increase over time, consumers can buy fewer of them with every dollar they have saved.

Early retirement is the wish for many but is this pure fantasy or might it actually be doable? Here’s a list of 10 things to consider while planning early retirement.

Better than indexing?

Wow! That is one strong three-word statement that piques interest immediately.

This is a high bar indeed because index funds in general have a superb long-term track record of outperforming their competition. 

DRC? Although a quick google search might suggest the Democratic Republic of the Congo, in this particular situation DRC stands for Social Security’s “Delayed Retirement Credits” and what a winner they can be if you capitalize on them.

Happy spring at last, I hope? March sure has made up for an uneventful February here in the northeast.

On to this quarter’s thoughts we go. 

How do you go about selecting a financial advisor to either periodically help you oversee your investments or manage them directly?

Seeking a Westchester financial advisor to help you make the smartest investment choices is not a task that should be taken lightly. 

For a long time I have wondered to myself why so much supposedly “smart money” was invested in hedge funds:

 outrageously expensive, opaque management, selective reporting of long-term investment results, often illiquid, the list could go on.

In 2017, we were again reminded of the importance of following an investment approach based on discipline and diversification vs. prediction and timing.

These days most companies offer some form of employee benefits. Among the most common are insurance plans (health/dental/vision), and if you’re lucky, a savings plan for retirement. 

When it comes to identifying what’s wrong with your investment portfolio, costs are probably not near the top of your list. But they should be!

In retirement, paying higher costs (through investment fees, expense ratios, and advisor fees) can reduce your income and overall balance, leaving you with less money to spend or pass on to your heirs.