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Subscribe to this list via RSS Blog posts tagged in Financial Planning

Posted by in News

July 21, 2019
By J. André Weisbrod  


Ø  At 8 years, this is the second longest Bull Market in modern history.

Ø  Since the major market peak in March of 2000 (over 17 years), the S&P 500 has only returned 5% per year.

Ø  Buying the S&P 500 today is like spending $39,000 on a car with a normal sticker price of $25,000.

Ø  Like him or not, the “Trump Effect” on stocks is a recognition that some of the things he intends to do are actually good for  business and the economy.

Ø  Low interest rates have actually increased portfolio risk.

Ø  Systemic risks need to be addressed before a disaster is triggered.

Ø  Companies and real property ARE the economy, the backbone of our practical living.

Ø  We are seeking knowledge, wisdom and alliances that will serve you better.

Remembering the title of a funny movie… Yes, “It’s a Mad, Mad World.”  Whether it is volatile markets, geopolitical unrest, terrorism, road rage or discouraging partisan politics, there is much that can create doubt and concern, and even fear.  At times it appears the whole world has gone mad.

We are constantly researching and reviewing, seeking insight and wisdom.  Frankly, clarity is too often lacking and human behavior baffling.  Here are some bullet point thoughts to help you understand our thinking and, as always, please call with any questions or concerns.

·         We are eight years into a bull market that has had few significant downward drops.  And almost daily the headlines tell us that the markets have hit new all-time highs.

·         A Bull Market is defined as one that is not interrupted by a drop of 20% or more.  And this one has had only four corrections (drops of 10% or more).

·         It is the second longest in modern history.  Only the 1991-2000 bull was longer.

·         This Bull is a bit below average on a total return basis.  If you were 100% invested in the S&P 500 at the 2009 market bottom, and you had no expenses, your annualized total return would be about 13.8% per year compared to almost 19% for the average bull.  But few people were 100% invested in stocks then or since.  Therefore actual returns for most portfolios have been a good bit less.  

·         An interesting note:  If you had invested in the S&P 500 (and assuming unrealistically that you had no expenses) at the market peak in October 2007, your total return with dividends reinvested would be 7% annualized. And if you had invested at the peak in March of 2000 your total return would be only 5% per year.  Considering this, along with historically low interest rates, it is no wonder many people have been disappointed in their long term portfolio performance.

·         For financial planning, managing expectations going forward is extremely important.  If we are near a market peak, then it may be wise to assume no more than a 5%-7% return for large company stocks going forward.  And with bonds and CDs only making 1-3%, a balanced portfolio might not be expected to make more than 4%-6% annually.  Small companies and International stocks might or might not do better.  In today’s world the uncertainties are legion.

·         Today the relative values of the majority of stocks are much higher than average.   For the S&P 500 the average long term PE (Price/Earnings) ratio is between 14.5 and 17, depending on how you frame your time periods.  The current estimated PE ratio is over 25.5. That is extremely high for this late in a bull market.  This means investors are paying more for their stocks.  Think of it this way:  It’s like paying $39,000 for a new automobile that normally would have a sticker price of $25,000.

·         The below average returns can be compared to the more modest recovery of the entire economy, which has grown only a bit more than an average of 2% per year.  We have gone over 10 years (a record) without 3% GDP growth.   

·         The higher the stock market goes without increased economic growth, the riskier it gets.  Especially if company earnings don’t grow fast enough to keep the PE ratios lower.

·         One of the primary reasons stocks keep rising is because interest rates continue to be so low that there is little chance of getting a real after-tax return above inflation. 

·         There is also the “Trump effect.”  Whether you like him or not there are some things he said he would do that are positive for many companies and sectors.  Lowering corporate taxes and simplifying personal income taxes (hopefully emphasizing relief for the burdened middle class and not the extremely wealthy – I don’t care whether you are Democrat, Republican or Druid, you can’t like the current personal income tax system).  Reducing the ridiculous and strangling amount of counter-productive rules and regulations burdening small businesses.  Freezing and/or lowering wasteful government spending.  We can argue about details, but in principal these are all good for the health of our economy.  And investors have recognized this.  I may go into this in detail in another article.

·         Over the years most of our client’s objectives and risk tolerance require a more “balanced” approach to investing, which includes bonds and cash.  In a low interest rate environment this ensures a lower return while reducing volatility and risk.

·         Low interest rates have actually increased portfolio risk.  If inflation increases and interest rates go up two percentage points, 10-15 year bonds could lose 20% of their value.  That is stock market kind of risk.

·         Which brings me to the tremendous systemic risk present in our national addiction to debt.  Most news stories put the national federal debt at around $20 trillion.  Our total GDP (Gross Domestic Product is estimated at just over $18.5 trillion.  Using those numbers, the debt is just under 1.1 times income.   In personal terms, that is like a family with $100,000 annual income having total debt of $110,000.  Very manageable.  In fact such an income can reasonably support $300,000 to $400,000 of long and short term debt, including a home mortgage.  But wait a minute.  The $20 trillion amount does not include unfunded liabilities such as Social Security and federal pensions.  Add all liabilities and the total national debt is over $120 trillion!  That is like having almost $600,000 of debt supported by $100,000 of income.  And as inflation and interest rates rise the risk increases.  (Note that I haven’t even mentioned the burgeoning debt at the state and local levels.  Our governments have been irresponsible and we have failed to hold them accountable.  Continued failure will bring about a painful crisis.  I think of the Biblical wisdom of Deuteronomy 28:12 that exhorted Israel to “… lend to many nations, but you will not borrow…”  And Proverbs 22:7 that observes, “… the borrower is the slave of the lender.”)

·         In my opinion a 4% GDP growth rate coupled with aggressive spending controls would be necessary to reduce the systemic debt risk as well as support higher stock prices. 

·         Given the trend toward higher interest rates, we have reduced bond and CD maturities to an average around 1.5 to 2.5 years in most portfolios.  (We were actually a couple years early as the Federal Reserve has kept rates artificially low longer than anticipated)  While this is less risky, it means accepting lower interest rates and less income for a season.

·         As risks increased over the last few years we also have grown more conservative with the stock markets, and therefore our returns in most portfolios have been less than they could have been.  Hindsight is a tyrant.

·         However, we have participated in the increase and have generally achieved returns above inflation, which is the real goal.

·         A recent headline proclaimed that 86% of traditional portfolio managers failed to meet or beat indexes.  That and other articles noted that many experts recommend just putting your money into index funds, which have fewer expenses.  The last time I remember such rhetoric was in 1999 just before the Dot Com frenzy ended and the NASDAQ lost almost 80% of its value in 30 months!  The S&P 500 lost 49%.  (Note that in 2008-09 the S&P 500 lost 56.4% in just over one year with over half the losses happening in just four months.)

·         But please understand:  We believe in ownership of good companies and property for the long haul.  If companies don’t survive, your bank accounts and bonds will be worthless.  Treasury bills and bonds will be funny money.  We could become Venezuela.  Companies and real property ARE the economy, the backbone of our practical living.  The difficulty right now is choosing companies and sectors that offer the best probability of surviving the next downturn, maintaining dividend income and creating a long term total return above inflation. 

·         Unfortunately we have markets significantly driven by short-term thinking.  They are driven not by fundamental traditional values but by huge blocks of money being “day-traded” or bought and sold short-term with computer algorithms.  That is NOT investing.  According to Barrons, only 6% of stock traded today appear to be bought and sold based on fundamental analysis.  The buy and hold philosophy is out of favor.  But it is not invalid.  Eventually a company must be worth more or less than it is now on its fundamentals.  If I was “benevolent dictator, I would take a huge amount of risk out of the markets by instituting a single rule: “Whatever you buy, you must own for at least 24 hours.”  Anything less is not investing.  It is gambling.  I maintain that today’s stock markets are to a great extent rigged casinos that are not adequately regulated and disciplined.   They favor huge institutions and enormously wealthy individuals and hurt you and I.

·         But there doesn’t have to be a huge disaster.  If some of the “Trump effect” actions mentioned above can be accomplished effectively and the ineffective and unwise proposals tabled or changed, it would provide a boost.   Couple those with reducing or eliminating many non-productive government activities and a return to more individual responsibility and productivity.   We need to demand that our politicians stop the hateful partisan bickering and find ways to creatively work together to come up with the best solutions for our problems.  Stop the discouraging and destructive personal and political rhetoric and treat each other with more respect and grace.  It would go a long way toward healing.   Perhaps the economy could gain momentum, even to a 4% growth rate that could cure a lot of ills.  We can hope, and we can do our small part.  The question of the 1960’s is always relevant: “Are we part of the problem or part of the solution?”

·         Finally, our goal is not to create and manage portfolios just to beat any one or more indexes.  Our goal is to create and manage portfolios that have a reasonable probability of meeting our specific clients’ objectives.  It is a balancing act addressing projected spending, income needed to support spending and enough growth to keep pace with inflation, all while paying attention to risk management.  To that end we are seeking knowledge and wisdom and forming alliances with other advisers who can add perspective and wisdom.

Hopefully this has given you insight into our thought processes and actions on your behalf.  We do not pretend to be perfect or make claims or offer assurances about performance.  There will be good times and hard times.  Times when investments rise and times when they fall.  We do not have any crystal balls.  We cannot guarantee success.  What we can do is help you plan and manage your finances with sound principles, a bit of wisdom and sincere caring for your well-being as we deal with a Mad, Mad World.   If you want to discuss this or any other matter, please call.


If you need help managing your personal or business economic trends, we are here for you.  Call 412-367-9076 to set up a no-cost, no-obligation consultation in person or by phone.  STAAR Financial Advisors, Inc. offers wealth creation, management and utilization opportunities for people, families, businesses and organizations at all stages of life.  We provide planning, business consulting and investment management, including private equity opportunities for accredited investors.

If you enjoyed this and other articles, please "like" us on Facebook and follow on Twitter to be notified of new articles and other content.

Copyright 2017, STAAR Financial Advisors, Inc, 604 McKnight Park Dr, Pittsburgh, PA 15237.  All rights reserved.  No publication or dissemination of the contents, either electronically, via internet or physical printing is permitted without written consent of STAAR Financial Advisors.  Subscribers and clients may copy or print for their own use.  Quotes and links may be used according to accepted convention as long as proper attribution and credits are made.

Investing involves risk.  When investing in stocks, bonds, mutual funds, real estate or even many so-called guaranteed investments, the future value of your account(s) can be worth more or less than when you first invest.  Past performance is no assurance or guarantee of future results.  Before making investment decisions you should consult the appropriate investment, financial planning, accounting and tax professionals. You are responsible for all decisions you make as a result of using the SFAMoney web site or any materials and information provided by STAAR Financial Advisors, Inc. either on this site, via email or any other conveyance methods.

This site is not intended as an individual advisory service.  The information provided herein is not intended to be specific advice as to whether you should engage in a particular trading strategy or buy, sell, or hold any financial product.   Individual Advisory and Private and Institutional Asset Management Services are provided separately.  VIP consultation services is provided as an expansion of the information contained on the site.  The VIP services on the site may provide additional information and insights, but will not make specific recommendations regarding specific portfolios.  Every individual and every organization may have unique financial situations and objectives and any specific actions are the responsibility of the investor.  We recommend that you consult with your own financial experts prior to investing and that you carefully read any prospectuses and related materials carefully before investing.  Should you wish to employ STAAR Financial Advisors, Inc. as a personal adviser for your specific investment and financial planning needs, call 1-800-332-7738, PIN # 3370 or 412-367-9076 or inquire on line by CLICKING HERE.


Nothing contained on this site should be used or construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security. Nor is it intended as investment, tax, financial or legal advice.

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Posted by in News

May 8, 2017

By J. André Weisbrod

Do you regret some major financial decisions?  Most people do.

In 2016 published results of a survey that found only 17% of Americans said they had no financial regrets.  The biggest regrets were:

·         Not saving for retirement early enough

·         Not saving for emergency expenses

·         Taking on too much student loan debt

·         Taking on too much credit card debt

·         Not saving enough for children’s’ educations

·         Buying a bigger house than you could afford

I have heard many people express regrets over these actions as well as others, including spending too much on vacations, too much on cars, buying the wrong or too expensive insurance, and making bad investments.  None of us is perfect and I imagine most of us – even the 17% in denial above – would change some financial decisions if we could.

Living in the past doesn’t do much good.  But learning from it is very good.  The younger we get this the better.   But no matter our age or situation, we can take actions to improve our financial condition.  I submit seven major actions:

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March 30, 2017

By: J. André Weisbrod

Every year around this time a nationwide consternation builds up regarding taxes.  This is especially true for investors with diversified portfolios, and even truer for investors who own private investments, including partnerships, small corporations and LLCs.

I think people often get more agitated than they need to be.  Understanding the processes can help us relax a bit.

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January 16, 2017

Dear Reader,

I am reaching out to you in this blog letter because I care about you.  It’s not just business. 

There is a lot of information, disinformation and misinformation out there about financial matters.  A lot of sales people are hyping various products that are supposed to solve problems.  Many make claims that are not substantiated by facts and/or audited figures. 

I submit to you that the biggest issue we all face is wise planning.  Someone once said… 

“Failure to plan is tantamount to planning to fail.” 

I agree.  First let me talk a bit about the past year and why many have a poor understanding of what happened and why expectations for many were not met and why reactions to disappointment could expose you to significant financial mistakes. 

I recently wrote an article published exclusively in Seeking Alpha Pro.  It will be available to all readers in early February.  (If you want to read a wide variety of articles on investing and markets, I encourage you to visit the Seeking Alpha site.)  A few introductory points were these: 

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By J. André Weisbrod

October 31, 2016

In part 1 I described the types of investments that can produce retirement income.  To make good decisions we need to understand how they work and apply practical math in order to compare possible and probable results. 

I made the case for dividend-producing stocks over bonds and CDs.  Interest rates are just too low to get a real return above inflation and taxes.  While many retirees will prefer balanced portfolios that contain 20-40% in Bonds and CDs, they will have to keep their spending lower to make it work.  My comparison today will be between an income-equity portfolio of Stocks and Real Estate Investment Trusts (REITS) and a Single Premium Deferred Annuity with a 6% payout “for income purposes.”

I actually did a 35 year analysis going out to age 101.  I compared the results of both alternatives using the following assumptions:

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Posted August 17, 2016

Save the Date!  Life Changing!  2nd Workshop Opportunity

Coming September 17!  9 AM – Noon
(Continental breakfast starting 8:30 AM)

(The first 18 family units to sign up will also receive “The Path to Prosperity” 12 volume audio books by Steve Beaman, a $75 value – don’t procrastinate because 10 are already signed up.  This is in addition to the workshop Workbook.  Reservation procedure is at the end.)

OK, here we go again.  Don’t miss this opportunity.  Where can you get a guaranteed 33% return on your money?  The answer in a moment.  For Families (including teenagers).  For Singles.  College Students.

Are you Fit of Phttt?!!  Would you like to be in better shape?  Physically, mentally, spiritually, financially?  Better in your career or business?  Better with relationships?  Family, marriage, friends and church?

This Saturday morning event will lift your mind and spirit.  Be ready to be surprised.

Seeking the Abundant Life:
The Calling and Power of Biblical Stewardship

Did you know that stewardship is about much, much more than money?  That money is only one part of the calling we all have to preserve, utilize and manage our lives and all we have been given?  We will take a fresh look at the concept of dominion and stewardship, discussing and applying scripture to all aspects of our lives: personal, family, work, business, entrepreneurship, recreation, health, finances church, and ministry. 

Get ready to learn from each other.  The stimulating and effective format will emphasize Bible study and discussion as we seek to learn from each other.  “As each has received a gift, employ it for one another, as good stewards of God’s varied grace…” (First Peter 4:10)  We all have experiences and many have expert knowledge in areas we will be covering.  So bring your experience and knowledge so we can all give and receive.

Sponsored by the Triumph Church Stewardship Committee, the workshop is organized and presented by award-winning author, All-American athlete, speaker and financial advisor André Weisbrod.  Couples, singles, and high school and college students:  This workshop could be a life-changer.

Date:  Saturday morning, September 17, 2016

Where: Triumph Church on Mt. Nebo Road.

Time:  Continental Breakfast starts at 8:30 AM.  We will come together at 8:55 AM and the workshop will start promptly at 9 AM and go to noon.

Oh, about that guaranteed 33% return?  The workshop will cost each family unit (up to 4 people) $15.  And if you complete the workshop you will get your money back plus $5!  Now how can you let that go?  Be there or be square.

To reserve your seat(s), please mail the following:

Your Name:

Names of family attending with you:

Mail with your check for $15 payable to Triumph Church to Andre Weisbrod, Abundant Life Workshop, 604 McKnight park Dr., Pittsburgh, PA 15237.  Your check will not be cashed.  When you complete the workshop, you will get your check back plus $5 (if you do not complete the course, Triumph will accept your check as a donation. . Thank you!

Don't be Phttt!  be fit!  All-around!  We'd love to see you!

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Part 2: Strategies for Different People at Different Stages of Life

May 17, 2016

By: J. André Weisbrod


  • Where to put your investment capital is a key consideration for anyone.
  • Part 1 made a compelling case for equity investments for people of all ages.
  • But there is a more important planning consideration that must come first:  Will you have or do you have enough capital? If you are not yet retired, are you investing enough of your income so that you can become financially independent?  If you are at retirement age or already in retirement, do you have enough capital to create an inflation-proof income for the rest of your life?  If not, then “retirement” (I prefer the word “independence”) may not be an option.  Sign up for a free membership on our website and you can access many free planning Cool Tools.
  • Where to put your investments is a futile question if you haven’t addressed the previous issue.
  • Once you have addressed the planning considerations, you can then address where to put your investments.

When I was a young boy I would watch my father come home from work, clear out his pockets full of keys and notes and money and put them on his dresser.  The change was put in a cardboard box. 

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The Only Thing to Fear…

Monday, January 18, 2016
By J. André Weisbrod

“The only thing we have to fear is fear itself.”  This is the famous quote from Franklin Delano Roosevelt’s 1932 inaugural address.  With stock markets retreating amid global uncertainties, here are some considerations:

·         The two causes of the biggest financial mistakes are fear and greed.

·         The stock market loses value approximately three out of every ten years.  Over the past 10 years, only one was a complete loser, 2008.  2015 was a bit of a mix, but on balance a loser.  Will 2016 end up a loser?  Or will it be one of those years that see losses during the year but recover by the end?

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2016 Economic and Investment Outlook

January 14, 2016 

By: J. André Weisbrod



  • Predictions can be a fool’s errand.  The more variables, the more difficult it is to forecast outcomes.  That said…

  • Variables are legion and include: Overall economic growth and company profits; employment; International economies; oil prices; inflation; debt; politics; terrorism;

  • Though somewhat of a toss-up, I will suggest the probability for 2016 is for a modestly positive year for stocks and another flat or losing year for bonds.

  • The above bullets were written January 4, and I have preserved them intact.  Has anything changed except for China and the price of stocks?  Yes and no.  The China fiasco points out that we are vulnerable to global economic events as much or more than ever.  This is truly an interlinked and interdependent planet.  The third bullet, though, remains a statement I can live with.  A “toss-up.”

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November 17, 2015

Health Insurance, Taxes, Independence & Retirement, Social Security

Health Insurance Open Enrollment Periods End Soon

Medicare/Medigap – October 15 to December 7, 2015.  This is the window in which you can shop for the best benefits and premiums without having to qualify via medical underwriting.  If you are newly eligible or even if you already have coverage, you should look at your options now.  Make sure you have the best coverage for your money.

ObamaCare - November 1, 2015 to January 31, 2016.  If you have any health conditions that would make it difficult to obtain insurance at good rates through policies that require medical underwriting you should look at your options now.   Existing 2014/2015 plans expire on December 31, 2015. To avoid any gaps in coverage, you should consider enrolling by December 15, 2015.

Group Health Plans Should Be Reviewed Also

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November 21,2014

Financial & Tax-Saving Actions to Consider before Year End 2014

Please call 412-367-9076 if you have questions or need to act on any of these.

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October 21, 2014

By J. André Weisbrod

Procrastination Prevents.  Here are some things to seriously consider now if you are…

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By Dan Busatto

We are just beginning to discover the ramifications of the Affordable Care Act.  Whether you are an employer or an individual looking to solve the health insurance puzzle, read this brief article.

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March 31, 2014


Articles of interest you might have missed:  March Madness in Washington; 10 things your real estate agent won’t tell you; Is Your Financial Future Under Control? 2 Out of 3 of Us Answer 'No'; In Financial Planning, Couples Should Work Together; A Common Sense Approach to Estate Planning

March Madness in Washington – Congress uses sleight of hand to keep the spending going.

10 things your real estate agent won’t tell you – Informative and worth reading if you are planning to buy or sell a home.  Note: As in any profession there are those who are more competent than others as well as more honest and open than others. 

Is Your Financial Future Under Control? 2 Out of 3 of Us Answer 'No'

In Financial Planning, Couples Should Work Together – This has been something I have been promoting for 32 years, including having written a book on the subject.  I am always concerned when women are not knowledgeable regarding the family finances.  It needs to be a team sport.

A Common Sense Approach to Estate Planning – Many famous people have died without even a will.  They include Sonny Bono, Pablo Picasso, Jimmy Hendrix, Michael Jackson, Howard Hughes, martin Luther King and even Abe Lincoln.  The results aren’t pretty.  This article is a good primer.

Are you looking for honest, trustworthy advice regarding your IRA, 401k, investment portfolios, insurance or personal or business planning?  Call STAAR Financial Advisors, Inc. at 412-367-9076 for a no-cost, no-obligation consultation.



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March 25, 2014

Allow me to preface this with the following disclosures:

·         I am a professional investment manager and financial planner.

·         I have a health insurance license.

·         I graduated college, attended grad school and have a professional designation.

·         I am also an idiot.

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February 25, 2014

If you are thinking of buying a house...

If you are a Newly-Wed or Nearly-Wed couple…

If you are over age 55 and are concerned about Long Term Care...

If you are nearing "retirement age" and are concerned about when to take Social Security…

If you are concerned about “inflation-proofing” your income…

If you are concerned about outliving your money…


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Occasionally I come across an article that needs to be shared, and this is one of those.  It is thought provoking and cuts to the truth with some humor while creating a few "ouch" moments for most of us.  Enjoy.


77 Reasons Why You're Awful At Managing Money

Morgan Housel 

People usually get better at things over time. We're better farmers, faster runners, safer pilots, and more accurate weather forecasters than we were 50 years ago.


But there's something about money that gets the better of us. If you look at the rate of personal bankruptcies, financial crises, bubbles, student loans, debt defaults, and savings rates, I wonder whether people are just as bad at managing money today as they were in previous generations, maybe even worse. It's one of the only areas in life we seem to get progressively dumber at. 

Here are 77 reasons why people are awful at managing money.

Click here to go to the rest of the article:


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December 23, 2013

Every December it seems to get a bit crazy.   It all comes out, from “bah humbugs!” to wonderful acts of kindness and generosity.

Let me start with finances.  This is after all a blog centering on personal economics.

It is easy to lose perspective and control of our finances at the end of the year.  Not just because we feel compelled to give a lot of gifts, but because we often have neglected to save for those gifts and pile it up on the plastic.  We also might fail to take a good look at our tax situation or other financial considerations going into the end of the year.  End of year finances can be stressful.

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November 5, 2013


Here are a few articles and videos you might have missed.  Finances, house prices, retirement, sports and slaps.

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September 16, 2013

From College Degrees with Lowest Earning Power to Dark Chocolate to Cancer Care Crisis to Happiest Countries and a Financial Planning Flow Chart, I’ve compiled a list of some interesting articles that may or may not affect your finances, but I thought worth passing on.

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Personal and Business Financial Planning Checklists for the Fall

September 12, 2013, re-published November 3, 2014


By: J. Andre Weisbrod


Now that we are into September, we should be thinking about what we need or want to accomplish by year-end.  These lists are not meant to cover everything, but they are a good place to start.  (Note: Please register as a free member to receive alerts about future valuable blog posts and to access certain content, including the free use of many valuable tools.)

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"Train up a child in the way he should go: and when he is old, he will not depart from it."  (Proverbs 22:6)

When I was a child I watched my Dad come home from work and empty his pockets on the dresser.  His wallet would go on one side with his keys and anything else.  Then he would pull out his change and he would put it in a box.  Every so often we would go...

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We have a number of cool tools on SFAMoney, many of which are free.  One of the spreadsheet tools I developed...

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90 Working Principles of Finance and Business


The following are working principles that I try to apply to my business and personal life. They are not in any particular order. To the extent I am successful in following them, I am nearly always better for it. They do not guarantee quantity, but they do promise greater quality of life. As the proverb says, "Better is a little with peace than wealth with strife".  

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I have been dong some research on Social Security and was planning on writing an article.  But I found a good primer to which I provide the link (plus other links).  We are an RIA (Registered Investment Adviser) and along with our investment and wealth management services we provide clients with overall planning services.  It is important to have an overhead view of ...

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