AdviceIQ Articles

  • Marital Money Disputes

    Sadly, many marriages today end in divorce, with tiffs over money most often to blame. But as you join your life to another, there are smart ways to make your financial lives run well and free of discord.

  • The Case for Dividend Stocks

    Dividends are an increasingly better bet for stock investors lately. Payouts are expanding and, if the market slides, dividend-paying stocks hold up better than others.

    Stock returns come from two sources: capital gains and dividends. A capital gain occurs when a stock you purchase appreciates in price. Dividends are payments made directly to shareholders and day-to-day changes of a stock's price do not affect them.

  • Fixing Your Business’ Woes

    Business owners often sink so much of themselves into the company that improving even simple problems seems overwhelming. Finding and conquering your company’s problems one by one builds value, and here’s how to start.

    Few businesses actually build value because this requires hard work. It also requires systematic, disciplined work – a quality many businesses lack.

  • Planning for Expecting Parents

    Starting a family brings joy, stress, excitement and discussions over where to put the bassinet in your house. It brings questions about getting your financial house in order, too. Here’s a financial to-do list before the little bundle arrives.

    As expecting parents you face a long list of stuff to buy. Along with the wipies and the pretty mobiles, remember to plan your spending, estate and insurance coverage for your new family.

  • When to Change an Asset Mix

    A lot of investors don’t realize that you cannot simply buy, hold and forget about it. Your investment mix should not be static. How much you have in stock, in bonds and in other instruments hinges on many factors. Like your age.

    The U.S. stock market high in mid-September prompted a discussion with my business partner, Anna Sergunina. “So what does that mean to us?“ I asked.

    “Nothing to me,” replied my younger partner. She was right: Anna has a lot longer to build wealth – and recover from market down drafts – than I do.

  • Fixing Don Draper Spending

    Why can’t many Americans fund their retirement? Blame a fictional TV character – or at least the spending mania he helped create – and learn how to reclaim your budget and your future. Here’s how.

    Don Draper, adman guru of the series Mad Men, symbolizes my culprit of our widespread personal debt today: Relentless marketing creating a consumer culture founded on shopping, buying and spending.

  • Avoid the 2-Income Trap

    Combining love, lives and laundry is one thing. Combining your money is another. New marrieds who both work do well to think about what to do with two incomes. Here are some pointers.

    New couples ask me how to improve their finances. Easy: Start talking about “your money” as “our money” and plan as a couple. Once you marry and support one household with two incomes, shift your thinking.

    You don’t bring in two incomes now – you bring in one bigger income that opens financial planning doors.

  • The Real Enemy: Overspending

    Amid the theatrics in Washington, it’s easy to lose track of the biggest looming problem: The government promises more than it can deliver.

    Focusing on the government shutdown is like rearranging the deck chairs on the Titanic while drawing closer to the iceberg.

    The iceberg in this case is the massive government debt, made worse as the implementation of the Affordable Care Act takes effect.

  • Advisor Search: What to Ask

    When you seek a financial advisor, what questions should you ask? Your aim is to find someone who handles clients like you – and who is financially savvy.

    If searching for an advisor to manage your assets, one question that’s of marginal help is: What’s your investment record? A money manager whose investment performance touched the sky last year may stumble this year.

  • Ahead: Curbing IRA Savings?

    Presidential wishes seldom easily translate into law. Just look at the fracas over Obamacare and the federal budget. But President Barack Obama has several proposals that promise a significant impact on retirees, inheritors and savers. Regardless of whether these will get through a Republican-controlled House any time soon, they serve as a marker for what the future may hold at some point.

    Even after the Obama Administration is history, the U.S. government’s enormous obligations will push Washington into looking at ways to pay the burgeoning tab.

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