AdviceIQ Articles

  • Finding the Right Advisor

    Throughout life, we all engage professionals, from doctors and estate attorneys to financial advisors. When searching for a financial advisor, know how to find the right one for you, because in financial planning one size rarely fits all. An advisor will play a large role in your life and the lives of your family, so find someone you trust and enjoy working with.

    When looking, make a list of questions. Draft the answers in your head or on paper so you can objectively compare advisors. Among the important questions:

  • Housing Boosts Many Stocks

    The long depression that crushed the U.S. housing market finally shows signs of easing. Now’s the time to divest creatively in not just companies that will obviously do well in any housing uplift, but less-obvious companies as well.

    Conventional wisdom says what lifts housing generally lifts the American economy, too, and with reason: Housing involves a bigger universe of goods and services than most investors realize. Any uptick means good news for quite a few stocks.

  • Check Portfolio Often? Bad Idea

    With a 24/7 news cycle and instant access via smartphones, tablets and personal computers, disturbing news is a click away. Instantly, you can see how your stocks are reacting. But if you check on your overall investments daily, odds are you will increase your stress level and potentially make bad decisions.

  • How Youth Can Beat the Market

    Want to know how to beat the stock market? What if I told you of a foolproof way ­­­– at least for those with years ahead to invest – to win against the market without searching rummage shops for a crystal ball or trusting your uncle’s stock advice?

  • Signal and Noise in Finance

    Thanks to the proliferation of 24-hour news and the Internet, investors have too much material information at their fingertips to help them make better decisions. How do you decide what you actually need to pay attention to? Chances are that a lot of the headlines and daily market gyrations are irrelevant.

  • New Annuities to Defer Taxes

    The tax bill Congress passed at the beginning of this year is a boost for a new generation of low-cost variable annuities. As tax rates rise while variable annuity costs fall, it may be time to once again look at annuities for tax deferral, especially for high-income earners.

    New annuities, especially when used strategically to shelter high-return but tax-inefficient investments, can offset their costs with tax-deferral benefits in as little as a year or two.

  • Money Lessons for Teens

    When your kids near college age, you need to do everything you can to prepare them for financial adulthood. Many parents neglect this duty and hope that, like an infant thrown into a pool, their teenager learns to swim in deep financial waters with no instruction.

  • Is Your Pension Safe?

    Traditional pension plans, while shrinking in number, still cover millions of Americans, who depend on the income for their retirement.

    The city of Detroit recently filed the largest municipal bankruptcy in history. One of the potential casualties will likely be the city government’s retirees.

  • Why to Invest Like a Girl

    Men traditionally dominate the financial world, but women are actually better investors. Women are less impulsive and stick to a plan. Some male investors should take notice.

    Research sketches out how women differ from men when it comes to investing. According to a study by Barclays Wealth and Ledbury Research in 2011, women do indeed make more money in the stock market. We tend to take fewer risks, do more research before we invest and follow a buy-and-hold strategy.

  • A Simple Guide to Finances

    Some folks think financial planning is very difficult. While certain aspects are hard, such as constructing the right asset allocation to meet your goals, the basic concepts are not. The best approach to organizing your finances is the KISS rule: “Keep it Simple, Stupid.”

    KISS helps you refine your elevator speech, write concisely… and can boost your financial health. KISS can help you cut through the endless avalanche of financial and investment information. 


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