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Articles in Financial Planning

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How to Win at Investing

by Adam Clark Harding Level 6
Over the course of our lives, we make countless decisions about how to invest our time, money, energy, enthusiasm, etc., only to look back at some decisions favorably and others, well, not so much…. But how do we ever ...(more)
Comment   |  5 days ago from Scottsdale, AZ
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Guide to 401(k) Plans

by Randy Brunson Level 14
The Department of Labor, through its Employee Benefits Security Administration, is charged with overseeing health, welfare and benefit plans offered by employers.  This includes 401(k) plans. 401(k) plans are fairly ...(more)
Comment   |  5 days ago from Suwanee, GA
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What percentage of your working income should you replace to maintain your current standard of living in retirement?  

by Jeffrey Charles Lewis Level 10
  Conventional wisdom states that you should replace from 70 to 85% of your pre-retirement household income. However, most Americans are unable to do this. The truth is that it is an individual decision based on your ...(more)
Comment   |  5 days ago
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Why Women Beat Out Men in Investing

by Jeffrey Charles Lewis Level 10
  According to a recent study by Sigfig, a portfolio platform, women are more likely to make money when investing than men. In this study, SigFig looked at 750,000 portfolios and analyzed the anonymized data by gender. ...(more)
Comment   |  5 days ago
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Preparing for Retirement After a Divorce

by Jeffrey Charles Lewis Level 10
  Men and women nearing retirement who have gone through a divorce are less likely to feel financially prepared than married couples. Women are most likely to feel financially unprepared than men and this is for good ...(more)
Comment   |  5 days ago
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How to Beat Taxes by Investing

by James Leland Hancock Level 10
It is tax time once again and no matter how much you hate taxes you should know about the tax advantages of IRA’s.  Contributions to IRA’s can help you in many different ways at tax time.  They can lower your taxable ...(more)
Comment   |  Mar 16, 2017
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Is Universal Basic Income welfare?

by Gary Ray Duell Level 18
The idea of a universal basic income has found growing support in Silicon Valley as robots threaten to radically change the nature of work. Ebay founder Pierre Omidyar is the latest tech bigwig to get behind the ...(more)
Comment   |  Mar 08, 2017
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Quotes and Investments

by Andrew Comstock, CFA Level 20
Quotes from famous, funny or brilliant people are widely referenced, sometimes overused to emphasize a point. There are certain quotes or phrases that can help guide us when we are making ordinary life or important ...(more)
Comment   |  Mar 07, 2017 from Leawood, KS
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e.g. Guide to Financial Planning

by Larry R Frank Sr Level 20
The mathematics of investing is a handy reference for those who want to calculate their own investment metrics such as yield and annual return. However, I must state … with important caveats. I would caution that ...(more)
Comment   |  Mar 01, 2017 from Roseville, CA
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How to Become a Millionaire on a $30k Salary

by James Thomas Hancock Level 11
Becoming a Millionaire used to seem like this totally unrealistic goal that would never happen unless I won the lottery or inherited a bunch of money from some distant relative.   As it turns out becoming a millionaire ...(more)
Comment   |  Feb 21, 2017
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The cost of indexing – and an approach how to reduce those costs

by Larry R Frank Sr Level 20
  There is a cost to indexing that most investors are unaware of. It is called “reconstitution.” What is reconstitution and how may the costs involved be solved? What is an index? An index tracks changes in the ...(more)
Comment   |  Feb 15, 2017 from Roseville, CA
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Begun, This Credit Crunch Has (Probably)

by Hoy Carter Grimm Level 15
1983. Return of the Jedi hit theaters and President Reagan was proposing his own Star Wars Defense System.   While Trump is forming a new "Rebel Alliance" in Washington (yes, my son and I have tickets to the new ...(more)
Comment   |  Feb 08, 2017 from Maryville, TN
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Home Equity Line of Credit as a Financial Planning Tool

by Andrew Comstock, CFA Level 20
Home equity line of credits or HELOCs (pronounce he – locks) are usually thought of as a tool to pay for a kitchen remodel or to update a bathroom. Outside of the this use, they can be an important component of your ...(more)
Comment   |  Feb 02, 2017 from Leawood, KS
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THE TWO MOST IMPORTANT FINANCIAL TOOLS FOR 2017

by Gary Ray Duell Level 18
Think about common risks in your life and the tactics you use to minimize or avoid them.   If you're trying to lose weight then you burn more calories (read: Exercise) and consume fewer or at least better calories ...(more)
Comment   |  Feb 01, 2017
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Is Holistic Planning Fun?

by Gary Ray Duell Level 18
The title of this post is a possibility, that holistic financial planning can be fun!  But in my experience that is almost, without exception, a myth.  Because holistic planning involves frank discussions of the ...(more)
Comment   |  Feb 01, 2017
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Ten Resolutions for the New Financial Year

by Anita Narendra Srivastava Level 8
http://www.ridgewoodmoms.com/single-post/2017/01/01/10-Resolutions-for-the-New-Financial-Year-by-Anita-Srivastava(more)
Comment   |  Feb 01, 2017
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Do you know who your beneficiaries are?

by Anita Narendra Srivastava Level 8
http://www.ridgewoodmoms.com/single-post/2017/01/16/Do-You-Know-Who-Your-Beneficiaries-Are-By-Anita-Srivastava  (more)
Comment   |  Feb 01, 2017
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Boredom Can Be an Investors Enemy

by Andrew Comstock, CFA Level 20
I just finished Michael Lewis’ new book, The Undoing Project. My copy is methodically dogeared and underlined, but one passage has stuck with me since I read it. If people thought that a coin, after landing on heads ...(more)
Comment   |  Jan 24, 2017 from Leawood, KS
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Strategies For Your ESPP

by Andrew Comstock, CFA Level 20
Employee stock purchase plans (ESPP) can be an overlooked benefit from your employer and you could be leaving a thousand of dollars each year on the table by not participating! ESPPs can be an important helper in ...(more)
Comment   |  Jan 24, 2017 from Leawood, KS
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Behavioral Finance Has Become Increasingly Important

by Colin Britton Exelby Level 6
I think people generally realize that buying high and selling low isn’t a good strategy.  However, year after year the research shows that individual investors tend to buy asset classes or sectors after periods of ...(more)
Comment   |  Jan 05, 2017 from Towson, MD
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