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    Estate Planning

    What’s the Difference Between a Will and a Trust?

    Estate planning is an important subject that almost everyone—but especially older people—needs to address. Many believe that estate planning is for those with substantial means. However, estate planning determines how an individual’s assets are preserved, distributed, and managed, so even people with assets limited to a residence, bank accounts, and a retirement plan need to form a plan. 
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    Estate Planning

    The Answers to 4 Frequently Asked Questions About Roth IRAs

    If you have typed your questions about Roth IRA retirement plans into Google, you have most likely come across articles from the IRS that detail the retirement plans in ways that aren't exactly reader friendly.  Sometimes, the easiest way to understand Roth IRA retirement plans is to have a question and answer session with a knowledgeable source. Consider this blog post one of those “conversations.”  Here are four frequently asked Roth IRA questions and answers.
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    Chart of the Day

    37 Years of Retirement

    Today’s chart from BlackRock shows that from 1940 to 2015 life expectancy went up 15 years and the average years spent in retirement went from six to 37.
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    Market Update

    May 2022 Market Update

    Below are a couple of my thoughts on the market. 
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    Chart of the Day

    Top Heavy = Top Losses

    This chart is from today’s Wall Street Journal. Because of their heavy weights in the S&P 500 index, eight companies make up half of the stock market’s 14% decline year to date. It is notable that the value index was only down 3%, while the technology-heavy growth indexes are down 25%. As usual, the S&P 500, which includes both, splits the difference.
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    Chart of the Day

    Diversification Saves in Down Markets

    The Russell 3000 Index is made up of the largest 2,750 stocks in the United States.
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    Estate Planning

    Which Estate Planning Documents Do I Need?

    Estate planning is the process of deciding who will receive an individual’s assets, who will manage their financial affairs if incapacitated, and settle the estate after death. Estate planning is necessary for anyone who owns property that they wish to pass down to a relative, close friend, or charitable interests, and to name a guardian for minor children or provide care for pets. 
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    Chart of the Day

    Daily Median Income for World

    From 2001 to 2017, the daily median income doubled for everyone in the world.
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    Chart of the Day

    Selling Low

    The rule of thumb is to buy low and sell high.
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    Chart of the Day

    Winning is Hard, Staying a Winner is Even Harder

      S&P Dow Jones Indices has published their updated U.S. Persistence Scorecard. A mere 2.2% of actively managed U.S. domestic equity funds in the top quartile for 12 months performance at the end of 2019 stayed ahead of three-quarters of their peers when measured two years later.
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