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prepare for a deeper downturn

Should you prepare for a deeper downturn?

The current bull market is 9 years old.  That’s the second longest on record and it has people wondering how much further it can go.  That question has taken on added urgency given the recent volatility, rising interest rates and political uncertainty.  Markets lost ground in February (the first losing month in over a year) […]

debt puts retirement at risk

Global debt is staggering. Why that could be bad news for your retirement.

The amount of debt in the world is staggering. Auto loans recently passed $1 trillion for the first time and the average car loan is the highest it’s ever been, recently surpassing $30,000. Student debt stands at about $1.4 trillion. Mortgage debt is about $14 trillion. More than 30% of households carry a balance on […]

retirement pre mortem

Retirement Pre Mortem

“What could cause this to fail?”  That’s what I asked myself before heading to the Grand Canyon recently for a 47 mile, Rim to Rim to Rim hike with my friend Mike.  The answer, it turns out, is “A LOT of things could cause it to fail.”  In fact, there’s a 400 page book dedicated […]

what is going on with the markets

What is going on with the markets

Hi all.  I hope you’ve been well.  Sorry things have been quiet around here for a few weeks.  As I’m sure you know, the markets have been kind of crazy this year and most of my time has been spent on the phone or in meetings with clients.  Between that, annual reviews and an unexpected […]

protect yourself from identity theft

How to protect yourself from identity theft

  Quick Note:  For those of you with “Retirement Planning” on your New Year’s Resolution list, I extended the $60 discount on The Ideal Retirement Design Guide through January 31st. I have a retired client—let’s call him Mark—who was going on a trip and he asked his neighbor to water his plants and keep an […]