AdviceIQ Articles

  • Avoiding Financial Paralysis

    For all these years I work with families, I notice one characteristic they have in common. When facing financial choices, they too often become paralyzed out of leeriness they will make the wrong ones. The answer is to get a good handle on their financial picture, so they can act.

    Don’t get me wrong. They’re incredibly bright, they are achievers for most of their lives, and they have the financial success that they always expected. But these qualities work together to create a storm of fear that prevents them from making decisions and taking steps forward.

  • Retirement and Boredom

    Retirement is a major life change. Financially, you have it all planned out. But did you take the time to prepare yourself psychologically for this transition?

    Most major life-changing events involve an ongoing process of emotional adjustment, and retirement is no exception. You have all the free time with no schedule or commitment. This transition may be more difficult than you think as you were disciplined with a routine for most of your life. Too much freedom may not be a good thing.

  • Plus Sign: Low Correlation

    Here’s some love for the most unloved bull market in history. Different asset classes are not moving together, as they did for most of the last few years. That lack of correlation, when one set of assets zigs as another zags, is a positive sign because it is typical of secular bull markets.

  • The Magic of Advisor Collaboration

    The strength of the best advisor-client relationships is a collaborative spirit.

    Clients bare their financial and personal lives to an advisor: That dumb investment you made in your friend’s ice cream parlor, the huge mortgage you took out to buy a McMansion, your plans to have a child in a year or so. Based on that candor, the advisor’s task is to give you clear-eyed counsel, using solid know-how and experience.

  • Questions About Alternatives

    Alternative investments are all the rage these days. Think through all the details, though, before deciding if they fit your financial plans.

    Mutual fund companies fall all over themselves to sell financial advisors and their clients on “liquid alts” easily bought or sold or on hedge fund-like strategies with the daily liquidity offered in a mutual fund wrapper.

  • Women’s Financial Planning

    In his best-seller Men Are from Mars, Women Are from Venus, John Gray talks about men “going to their caves.” Yet in financial planning, both genders often retreat from difficult situations and decisions. This harms financial futures – especially women’s.

  • Good Earnings – Huh?

    So second quarter earnings will be strong? We keep hearing that, but the forecasts don’t tend to pan out. Until July’s dip, stock prices this year marched higher, seemingly of their own accord, accompanied by a steady parade of misinformation.

    Earnings simply aren't that great. The first quarter earnings myth keeps growing even as the second quarter earnings dream blooms. First quarter earnings growth for the Standard & Poor’s 500 were only 2.1%, according to FactSet.

  • Is Universal Index Life OK?

    A much-discussed insurance product lately is the universal index life policy. This type is best for people who need the reassurance of a guaranteed return and have no place left to shelter income. But high fees and caps on returns are downsides.

  • How to Invest in an Up Market

    As the stock market has reached all-time highs over the past year, perhaps you thought about getting in the game and grabbing your share. But beware. Investment decisions during periods like this are challenging because the biggest enemies in money management – fear and greed – influence your decisions most at times like these.

    With a bull market now well into its sixth year despite frequent threats of a looming correction, how can you avoid making rash decisions amid market highs?

  • Greed and the Penny Stock

    We all know that greed is bad, and disciplined investing is the best way to go. But too often, our emotions take us off track. A disturbing case in point is the tale of the most recent hot-stock phenomenon, called Cynk.


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