The Four Pillars of Investing Success

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The Four Pillars of Investing Success

Developing and adhering to a long term investment strategy based on a comprehensive, strategic plan is the first step in achieving your financial goals. Your stage in life, risk tolerance, lifestyle needs, tax situation, and family responsibilities are but a few of the factors that must be considered in building a personally, customized strategy. Through the financial planning process, we have compiled the needed information that allows us to drive to an ideally balanced investment strategy that optimizes your risk/return profile and maximizes the likelihood of achieving your future financial goals. This long term strategy is your road map to financial success. The most common detour from this road map is typically driven by investor emotionality. Watch movie online The Transporter Refueled (2015)

Investment News – Colorado advisers help clients get back on their feet

In The Press

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Some clients have lost homes, others face imperiled businesses
Firefighters in Colorado Springs, Colo., are reining in the locale’s major blaze, but financial advisers in the area say some of the toughest times are still ahead for their clients.
After 11 days, the Waldo Canyon fire — amounting to nearly 18,000 acres — in the Colorado Springs area is now 70% contained, according to The Gazette, which is based in that city. Some evacuees are being allowed back into their houses, though some 350 homes have been incinerated. For many, especially those who lost their homes or businesses, the toughest part will be getting their lives back to normal.

Watch movie online The Transporter Refueled (2015)

The Wall Street Journal – Mother, Can You Spare a Room?

In The Press

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As Rachel Zahn’s three children were growing up, she liked to warn them, half jokingly, not to overstay their welcome. “Checkout time at this hotel is age 18,” the 56-year-old nonprofit director would tell them.
It hasn’t worked out that way. A year and a half ago, Ms. Zahn’s oldest son, Sam, 25, asked if he could move back to the family’s home in Solana Beach, Calif.—near San Diego—with his girlfriend in tow. He wanted to save money when attending graduate school while his girlfriend worked full-time.

The New York Times – Premiums Rise for Long-Term Care Insurance. Keep It or Drop It?

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Every day, Jesse Slome says, about a half-dozen people contact his office at the American Association for Long-Term Care Insurance, a group for industry professionals, to complain about premium increases on their policies.
Financial planners, too, are hearing from their clients. “We’re definitely seeing a lot of increases, especially for older policies,” said Clarissa Hobson, a financial planner with Carnick & Kubik in Colorado Springs. Some increases are as much as 40 to 60 percent, she said: “It’s pretty dramatic.”

Fox Business – Should You Sell Mutual Funds to Buy ETFs?

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American workers save and invest for decades, all in hopes of having enough money to retire one day.

But when work finally ends, a new concern typically begins: making sure that nest egg does not disappear before you do.

One way to retain more of your retirement cash is to lower investing expenses. Most people use mutual funds in their retirement accounts, but exchange-traded funds, or ETFs, generally have lower expense ratios.

ETF Trends – When Switching to ETFs from Mutual Funds Makes Sense

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With exchange traded funds gaining wider acceptance, many investors are considering switching out their open-end mutual fund positions for the cheaper ETF options.

Michael Kitces, a CFP professional and director of planning research at the Pinnacle Advisory Group, argues that shifting assets away from mutual funds and into ETFs makes sense for some retirees, especially for those more well off, reports Chris Kissell for Bankrate.

The Denver Post – Are Master Limited Partnerships for you?

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NEW YORK—Investors searching for income-generating investments are finding opportunities in the oil and gas pipelines that crisscross the country.
Many of the pipelines, holding tanks and other equipment that help get fuel to consumers are owned by firms called Master Limited Partnerships. They typically generate high income and tax benefits for investors because the firms are required by law to “pass through” much of their income and deductions to shareholders. In return, the partnerships pay no corporate tax.