Filter Blog by:
Diversified Investments Global Image


4 Easy Ways to Diversify Your Investments

Published By Jake Bleicher, Equity Analyst

The benefit diversified investments has for a portfolio is simple, in theory. It reduces the impact any individual investment has on the portfolio, and proper diversification can help mitigate losses during a market downturn. In practice however, portfolios can become a large hodgepodge of various assets rather than a methodical allocation. The key is to reduce the correlation between assets so that they generally perform independent of one another. Read more


5 Reasons It’s Important to Set Financial Goals

Published by Rob Furlong, Portfolio Manager

The alarm sounded promptly at 1a.m. Shortly after some rustling and grumbling the tent zippers opened and we stepped out into the frigid air. After a quick breakfast, we began heading uphill into the darkness. For the next eight hours life was little more than listening to the ice crunch with each step as we ascended over 5,000 feet into the thinning air. Shortly after 9a.m. we were at 14,200 feet-on top of one of the highest peaks in the Cascade mountain range. Read more


How Emotional Decisions Can Ruin Your Investment Strategy

More money is left behind than lost during market declines. When an investor reacts emotionally to declines, they often pull money out of the market, derailing their investment strategy and leaving them much less exposed to equity markets. Often, these moves are made very near the bottom of the market and the investor leaves behind a substantial portion of return. Read more


When Can You Retire?

Not surprisingly, one of the most common goals financial planners help their clients with is analyzing cash flow in retirement so they can live their lives comfortably without worrying about outliving their money. Cash inflow in retirement can come from many sources (Social Security, retirement plans, savings, annuities, pensions) so it’s important to consider how much and when to expect cash inflows. Read more


Why Diversified Investments Are Crucial

Published by Tyler Schlumpf

There are two main types of risk involved in investing: systematic and unsystematic risk. The first, systematic risk, is the general market risk all investors take when they buy stocks and bonds. Unsystematic risk, however, comes in many different forms. Specific company, credit and liquidity risks are just a few. While systematic risk cannot be diversified away, unsystematic risk can through diversified investments. Read more


How Much Do I Need to Retire?

Most people plan to leave the workforce at some point in their life.  While some have a desire to maintain a sense of purpose by working well into their seventies, we more often find ourselves helping people plan for an earlier departure. Achieving financial freedom, or the ability to work because one wants to and not because one needs to, takes time and thoughtful retirement planning.  Read more

Copyright: iqoncept / 123RF Stock Photo


College Funding Aid:7 EFC Myths Debunked

By: Matthew M. Glatt, CPA, CFP®

The world of paying for college is an alphabet soup of abbreviations. The most important one for you to know and understand is the EFC. EFC stands for “expected family contribution.” Knowing yours is key to making decisions about finding a college your family can afford.

Read more

Copyright: ocusfocus / 123RF Stock Photo


College Funding Nightmares:   8 Mistakes That Keep Parents Up At Night

By:  Matthew M Glatt, CPA, CFP®

Does the thought of paying for college keep you up at night? College cost can be scary stuff. It can cause parental nightmares. We’ve collected some of the biggest mistakes families can make that can cause financial struggles. Let’s try to turn those nightmares into sweet dreams. Read more



Life’s Tradeoff Decisions: 4 Areas to Consider When Managing Your Money

You are working hard to make money for yourself and your family, so you are probably already well aware of the fact that each dollar you spend or save has consequences further down the line. Yes, decisions you make in your 20s can affect your retirement 40 years later, and yes, that expensive family vacation may eat into a college fund for the kids. It’s a continual balancing act, and if you feel that you are struggling, you are not alone. It can be very hard to see the big picture when it comes to money.

Read more



How to Reduce Financial Stress When Planning for Retirement

By Matthew M. Glatt, CPA – Founder and CEO of FLP Financial Group, LLC

You’ve probably seen commercials or read advertisements featuring grave warnings about the possibility of outliving your retirement funds. These ads make it sound like your future depends on calling the 800 number at the bottom of the screen, and if you ignore it, you do so at your own peril. Seems a little intense and scary, right? That’s because fear and a sense of urgency are two states of mind that lead to sales and profits for the company being advertised.

It’s no secret that as a financial advisor, I also see the importance of solid retirement planning. What I don’t see is how stressing you out will help your situation in any way.

Whenever I speak with a client who seems scared, stressed, or completely overwhelmed by the prospect of retirement planning, my number one priority is removing those negative emotions from the situation. The truth is, obsessing and worrying about your retirement is not going to get you more mileage out of your money– but a systematic approach to saving and planning will.

Here are your four steps to stress-free retirement planning.

Read more