With trillions of dollars of collective wealth embedded in the value of their homes, it’s no wonder people ask about how they might someday access their real estate to help support their retirement years. This question often leads to a conversation about a little understood product, the reverse mortgage. Reverse mortgages are somewhat complex and […]

We certainly live in a brave new world. Welcome to the age of passive investing where almost half of all dollars are now invested in index fund strategies with the singular goal of “tracking the market.” That is double the level seen a decade ago and quadruple the level seen only two decades ago. And, […]

As this year has unfolded, investors have been treated to a highly unusual level of financial market calm amidst an equally unusual stretch of political volatility. It’s been eerily calm, in fact. To put this in perspective, on only two trading days this year has the stock market ended up or down over 1%. In […]

It is my belief that honesty is always the best policy. Given that, I am happy to pass along some recent news from the world of finance that helps to tilt things in your favor. This past Friday, the long-awaited Department of Labor “fiduciary duty” rule finally sprang to life. Despite the Trump administration’s immediate […]

It is my professional opinion that today’s stock market and bond market are both generally overpriced. If I am correct, future returns for passive investors will be lower than hoped-for and the implications will be quite large. The US is facing a substantial pile of age-related liabilities. I am not talking about the tens of […]

Retirement is a process, not a single point in time. Clearly, it’s one that’s best navigated only once. Reading the key signposts of success along the way will certainly help keep you on the path to a fulfilling retirement. These include aligning your career choice and earnings potential with your natural-born talents and having the […]

Attention to all parents and grandparents of a college-bound high school student: our next Front Street Foundation Money Series event will provide your young loved ones with financial lessons that are certain to save them emotional anguish and money for years to come! That’s quite a claim, but I’ll stand behind it. In fact, for […]

With the Federal Reserve starting in earnest to raise interest rates, it’s all the rage to worry about bonds. Why all the hand-wringing? It boils down to a tendency to over simplify the math. To start, bond investors expect two things; getting their money back at some known point in the future and receiving interest […]

The more things change, the more they stay the same. That was never more true than with the recent unveiling of the Republicans’ long-awaited “Repeal and Replace” plan, called the American Health Care Act (AHCA). To the surprise of many, under their plan large swaths of the existing Affordable Care Act (ACA) would remain. Given […]