…harnessing the power of compounding, finding extra dollars to save, saving for college and retirement, managing debt, and asset allocation guidance. Among the recommendations to be found in The Millennial SmartPath™: Do the math. Calculating a retirement savings goal involves more than just coming up…
…fees? Asset based fees are the fees paid by the investors in a particular fund, to manage and operate an investment fund. They can also be referred to as investment or asset management fees, or expense ratios. Asset based fees typically represent the greatest share…
…who will assume responsibility for the entire investment process. In essence the hired OCIO firm may assumes as much of the client’s fiduciary responsibility as is possible. The duties can include: review, analysis and changes to the client’s Investment Policy Statement, portfolio asset allocation, portfolio…
…human capital can also impact the length and quality of a person’s retirement years. Morningstar, a well-known investment research firm, has factored human capital into its investor lifetime asset allocation model.1 According to Morningstar, a person owns two kinds of assets: (a) financial capital (stocks,…
It is commonly stated that investing and asset allocation involve the choice between 3 asset classes: stocks, bonds and cash. However, it has long been believed that certain types of stocks behave differently from other types of stocks. This concept was first developed by Graham…
Are your clients ready to transition from active business owner to happy retiree? Are you prepared to guide your clients to the retirement they want? Find the answers to this and many more questions in the new book, My Business is My Main Asset. I…
…to age 59½) from traditional 401(k) accounts apply to Roth 401(k) accounts. WHAT HAPPENS TO PARTICIPANTS ASSETS IF THE PERSON CHANGES JOBS OR RETIRES? Roth 401(k) account assets can be rolled over to a Roth IRA when participants retire or change jobs. By contrast, assets…
…easily quantified than things like expertise and quality and the care of consulting that we deliver together. When cost is the primary driver, benchmarking is a pretty straightforward quantitative analysis. When you’re prospecting it’s an offensive strategy as you invite employers to look at potential…
Market volatility can sometimes cause us to make emotional financial decisions. That may not be the best strategy when saving for retirement. Join us as we discuss ways to help manage your investment strategy during times of market volatility, including: Evaluating where you are &…
…– is this an asset purchase or an entity purchase? In other words, is the acquiring company buying the assets of the target company or are they buying the entity itself. In an asset purchase, the acquiring company generally doesn’t assume the assets and liabilities…
…but that also addresses a credit union’s business needs. Designing the right retirement program requires a keen understanding of an organization’s management philosophy; compensation strategy; competitive considerations and analysis; demographic considerations; the maturity of the institution; and – of critical importance in today’s shifting landscape…
…It can allow the caregiver to pay bills or sell assets, including selling the parent’s home, and managing all assets. POA can be divided into financial and medical responsibilities, so that in the case of multiple children, one child does not have to take care…