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women wealth

Women Want More From Financial Advisors

Two-thirds of the world’s wealth will be held by women by 2030, estimates say. While men still make most of the investing decisions, women continue to narrow the gap.  In 2008, women controlled about 23% of the world’s wealth on average.  By 2009, that number had grown to 27%, with $20 trillion worldwide in the […]

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golden egg

Time is Running Out To Fund Your IRA …..

Don’t Forget …. You have only until Tuesday, April 17 to fund your Traditional IRA or Roth IRA account for the 2011 tax year.  This is a “use it or lose it” opportunity to put money where the IRS won’t tax it for many, many years, or will never tax it, in the case of Roth IRA […]

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target savings needed to accumulate 500k-2

Start Saving Early … Or It May Cost You

You probably already know that one of the keys to successful financial planning is to “start early.” There’s a good reason for that.  If you start saving in your 20s or 30s, and let your money compound over time, you don’t need to save that much.  However, if you delay until you are in your 40s or […]

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401k

5-Minute Fix: Getting Free Money From Your 401(k)

No time to spare?  Don’t worry.  The “5-Minute Fix” shows you how to have a big impact in your financial life with just a little time. If you are not putting enough money in your 401(k) to get the maximum employer match, you are absolutely leaving free money on the table. 29% of all workers do not contribute […]

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Quote of the Week:  Lowering Your Investment Expectations

Quote of the Week: Lowering Your Investment Expectations

“You still have a lot of people expecting 8% or 10% a year from stocks or even from balanced portfolios.  That’s naive.” Robert D. Arnott, founder of Research Affiliates LLC, Newport Beach, California, and portfolio manager for Pimco  funds, as quoted in “Bad News for Boomers,” Wall Street Journal, March 5, 2012  

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Will Your Portfolio Income Grow With You?

Will Your Portfolio Income Grow With You?

Everyone knows how low interest rates are right now.  That’s why we urge investors to look beyond government bonds and CDs if they need to earn a decent amount of income.  Here’s a dramatic illustration of how your income stream would have withered away if you chose to invest only in government bonds over the course of a […]

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rothstein yachts

South Florida Ponzi Schemes — No Rest For The Wicked

In December 2008, as the Madoff story broke, we sent an email to all our clients reminding them of critical safeguards they need to follow to avoid being the victim of investment fraud.   At that time, reading through the list of Madoff victims, we couldn’t help but recognize the names of neighbors, acquaintances and community leaders.  South Florida […]

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Buying High, Selling Low

Buying High, Selling Low

Are you convinced that the secret to successful investing is buying when the market is on the way up, then selling in time to avoid a pullback?  If that is indeed the secret to success, then it’s such a well kept secret that virtually no one knows how to do it. In fact, most people manage […]

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Is the Fed at War with Savers?

Is the Fed at War with Savers?

That’s the thesis of “The War on Savers,” a February/March article in AARP Magazine by journalist Carla Fried. In 2008, to cope with the financial crisis, the Fed dropped the fed funds rate to almost  zero and has since stated that it intends to keep rates that low until 2013 or beyond. The result?  “That means for five […]

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stock charts

Inside the S&P 500: Secrets of 2011 Performance

The U.S. stock market was one of the best performing developed markets in 2011, yet the S&P 500 managed to turn in only a +2.07% performance with dividends included. But here’s something you may not know.  Research by investment manager Manning & Napier shows that performance within the S&P 500 companies was extremely uneven in 2011.  […]

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