Archive for the ‘Financial Planning’ Category
Wednesday, March 6th, 2013 by Cass Chappell, CFP®
As you have probably heard, the Dow Jones Industrial Average closed at an all-time high yesterday (14,253.77). The previous high was achieved way back on October 9th, 2007 (14,164.53). If you ...
more »
Tags: Behavioral Finance, Diversification, Dow Jones, Financial Planning, Investments, Long Term Investing, Market Volatility
Posted in Behavioral Finance, Financial Planning, Investments | No Comments »
Monday, February 4th, 2013 by Cass Chappell, CFP®
Summary: Athletes earn their money very quickly. Their careers don’t last very long. They are very young when they retire and have unusually long “distribution phases”. Since they usually don’t earn ...
more »
Tags: broke, spending, sustainable withdrawal ratio
Posted in Behavioral Finance, Financial Planning | No Comments »
Thursday, June 9th, 2011 by Cass Chappell, CFP®
Fox 5 Atlanta asked us for some tips that parents could give their recent college graduate children about finance, spending, and saving (see the clip here). Here are my top five, ...
more »
Tags: 401k, Contributing to a 401(k), Financial Planning, Investing, investing fundamentals, investing philosophy, Investments, Retirement Planning, Savings, spending
Posted in Financial Planning, Uncategorized | No Comments »
Monday, January 24th, 2011 by Charles Mayfield, CFP®
Your accountant does it. Your mortgage company does it. Why shouldn’t you take advantage of setting up a monthly accrual system to save for your annual expenses? Even just a little ...
more »
Tags: Accrual, budget tips, goal-setting, large purchases, luxury car, monthly accrual, planning ahead, salary deferral, save up for big expenses, Savings, systematic savings, Vacations
Posted in Financial Planning | No Comments »
Tuesday, January 18th, 2011 by Charles Mayfield, CFP®
Whether you’re checking luggage or accumulating travel miles, chances are you have seen an increase to your fees in recent years. As a financial planner, it’s old hat to educate clients ...
more »
Tags: ATM fees, avoid junk fees, bank fees, bank revenue, be smart about saving, Direct Deposit, fine print, inactivity fee, interchange fees, Saving Money
Posted in Financial Planning | No Comments »
Monday, January 3rd, 2011 by Charles Mayfield, CFP®
A very Happy New Year to all of our clients, partners, friends and readers! Hopefully the holiday season went off without a hitch. After the champagne glasses and party hats have ...
more »
Tags: 401k, 401k mistakes, budgeting, IRA contributions, New Year's Resolutions, Organization, reallocation, Retirement plans, Roth IRA, systematic savings, tax filing
Posted in Financial Planning, Investments | No Comments »
Monday, December 13th, 2010 by Cass Chappell, CFP®
And get a Tax Deduction!
It really is better to give than receive. But how cool is it to do BOTH!?!?! Before January 1st gets here, you still have time to give ...
more »
Tags: 529 College Savings Plan, Charitable Contributions, charitable donations, Charity, End of year tips, giving, holidays, Sharing the wealth, tax-deductible donations
Posted in Financial Planning | No Comments »
Monday, November 29th, 2010 by Cass Chappell, CFP®
How to take advantage of Net Unrealized Appreciation (NUA) in a 401(k)
Employer stock inside a 401(k), or other tax-deferred employer sponsored retirement plan, is quite common for employees of large publicly ...
more »
Tags: 401k, company stock, employer stock, net unrealized appreciation, NUA
Posted in Financial Planning, Investments | No Comments »
Wednesday, November 17th, 2010 by Cass Chappell, CFP®
“We must hold ourselves strictly accountable. We must provide the people with a vision of the future.” - Barbara Jordan
One part of the recent Dodd-Frank Bill (a.k.a. Financial Regulation) required the ...
more »
Tags: Dodd-Frank, Fiduciary Standard, FinReg, Registered Representative, RIA
Posted in Financial Planning | No Comments »
Monday, October 11th, 2010 by Charles Mayfield, CFP®
Fifteen-year fixed rate mortgages averaged 3.72% last week (Oct 7), the lowest rate on record since Freddie Mac began tracking mortgage rates 39 years ago in 1971, according to Reuters and ...
more »
Tags: adjustable-rate mortgages, ARMs, credit history, credit report, credit score, currency intervention, currency war, Federal Reserve, fixed-rate mortgages, Freddie Mac, hidden fees, home ownership, homeowners insurance, low rates, paying points, QE, Quantitative Easing, Re-fi, Record mortgage rates, Refinancing, Treasury bonds, Treasury rates, unscrupulous lenders, weak dollar, “QE2”
Posted in Financial Planning | No Comments »
