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Subscribe to this list via RSS Blog posts tagged in Planning
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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 Bankrate.com 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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Posted by in News

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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Posted by in News

September 26, 2016

The Retirement Income Puzzle: “6% Guaranteed for Income Purposes?”

By J. André Weisbrod 

Part One: Investment Alternatives

The radio advertisement promises you 6% “guaranteed for income purposes.”  It is a plug for insurance company annuities.  An ad by a nationally known advisory firm in a magazine says you should “hate annuities.”  Others promote high yield stocks, tax free bonds or private lending for retirement income.

As with anything else, we need to discount the hype and slick promotions and get to the heart of the puzzle.  We can use many different investment alternatives to create income.  The question is: What fits our situation best?  In many cases it will be a combination.  Let’s look at some of the main strategies.

Here are the main types of investments that can be used in a retirement income strategy (in alphabetical order):

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Posted by in News

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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Posted by in News

October 21, 2014

By J. André Weisbrod

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

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Posted by in News

"Plan. Budget. Discipline. Succeed." - J. Andre Weisbrod  (See Proverbs 13:16, 16:3, 21:5, Psalm 127:1, Luke 14:28-30, I Corinth. 3:10-11)

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Posted by in News

STAAR Strategies Report  January 2, 2014

Happy New Year!

 The Economy and Markets in Review and Looking Forward

 

Indexes*

Tot. Returns as of 12/31/13

Russell 2000 (Small Company Stocks)

38.8%

S&P 500 (Large Company Stocks)

32.4%

EAFE (International Developed Country Stocks)

22.8%

MSCI EM (Emerging Country Stocks)

-5.7%

S&P Global REIT (Real Estate)

2.8%

MS Core Long Term Bonds

-6.9%

MS Core Intermediate Term Bonds

-1.1%

MS Core Short-Term Bonds

0.6%

T-Bills

0.1%

Gold and Silver (average of both)

-18.1%

Equal-Weighted Average

6.6%

*Preliminary, may change

 

It was a surprisingly outstanding year for US stocks and a very good year for the overall developed market International stocks.  Emerging markets lagged and gold and silver plummeted.   The MSCI Global IMI index returned.....

To read the rest of this article you must be a STAAR Financial Advisors client, fund shareholder or registered VIP site member.  If you are one of these, log-in now.  Otherwise you may sign up here:  Join.     (If you need help, call 412-491-1963).

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Posted by in News

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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Posted by in News

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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Posted by in News

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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