AdviceIQ Articles

  • ‘Made in the U.S.A.’ Again

    The extent of the U.S. manufacturing renaissance is little appreciated. New energy sources are one reason for the turnaround. There’s another factor at work, though: American workers are increasingly competitive with foreigners.

    The comeback of this country’s domestic production is not widely known. My wife Maureen and I were in our local mall recently when we overheard a couple of people in the Nike store discussing how nothing is made in America anymore.

  • Largest Wealth Shift Looms

    A huge amount of assets will move from baby boomers to their millennial offspring over the next decade, according to the chief of a leading investment firm during National Financial Advisor Week.

    “This will be the largest transfer of wealth in history,” said Nicholas Schorsch, executive director of the board of RCS Capital, who estimated the amount millennials will inherit at $30 trillion.

  • Biz Owners’ Succession Plans

    What happens to your business when you retire? Whether you pass it on to your child or sell it to support your retirement, you need a succession plan.

    Building a small business is somewhat like being a parent. You start with an infant enterprise that needs constant attention and often deprives you of sleep. You foster it through various stages of growth, including some rocky times, and help it stand on its own. Eventually, you may rely on it to carry on your legacy and take care of you financially.

  • Figuring Monthly Benefits

    Many people file for Social Security right at retirement and soon see a statement showing potential benefits at various stages of life. What if you don’t file at age 62 or 66? Here’s the math to compute your monthly benefit no matter when you file.

  • How Target Date Funds Miss

    Simplicity is the biggest advantages of target date funds. But simpler is not better. Many of these funds, designed to grow more conservative as investors age, still are too risky. And too often, they fall short as a financial planning tool because they don’t take into account individuals’ needs.

  • 10 Key Pre-Retirement Steps

    Retirement takes a lot of planning and decades of preparation. You’ve gathered assets, set up a home and perhaps raised children. Now is the time to enjoy all you have achieved. But as you move from the world of work into retirement, here are 10 key steps to take first.

    They are:

    1. Prepare a budget that takes into consideration typical monthly costs and your plan for big potential expenses (e.g., travel, home renovations, moving).

  • 3 Key Dividend Dates

    We all have important dates to remember in our lives, such as birthdays and anniversaries. When it comes to investing for dividends, investors should memorize three key dates: date of declaration, date of record and date of payment.

    Some companies offer dividend-paying stocks, which give their shareholders a percentage of the profits in cash, usually quarterly. Sometimes, companies pay large special dividends, such as Microsoft in 2004, because they have excess cash on their books.

  • The Reluctant Bulls of 2014

    This is the year of the reluctant bull – a market that rises despite widespread investor qualms. This past summer shows how a choppy stock market can deceive investors, tempting them to do the wrong thing: exit equities.

  • Spending Money Right

    It isn’t how much you earn that makes you rich, it’s how much you keep — your net worth. And it isn’t how much you are worth that makes you happy; it’s what you spend it on.

  • Getting Help for Special Needs

    The most effective way to provide a great life for your loved one with special needs is to access both public and private resources. Unlocking this money from public resources often starts with asking the right questions.


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