How your money is used should always be a personal choice. Become a member to view this article ..read more

We applaud and celebrate leaders in financial services who have finally embraced the concepts put forth in our book. Advice Only: Retirement Planning Methodology & Handbook (Hall, Q. 2019) View the below Timeline on Mobile: https://www.preceden.com/timelines/688325 ..read more

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Sadly, according to a 2015 presidential report, every year, Americans lose more than $17 billion dollars due to conflicted financial advice. Unconscionable yet completely legal marketing slogans tout “unbiased fiduciaries” or claim to be in “a client’s best interest,” but in reality, are simply solicitations in the form of trusted advice. Outdated and undeveloped financial planning methodologies such as Fee-Only, Fee-for-Service, and Fee-Based attempt to offer a moral framework, but unfortunately come up short having been legally blurred beyond all recognition. As a result, the financial advic ..read more

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Americans nowadays get to enjoy a refreshing amount of diversity. Interracial couples, domestic partnerships, and same-sex marriage arrangements all offer unique financial planning challenges compared to traditional approaches. If this is you, embrace your diversity and don’t get discouraged by the additional due diligence that is required. Be prepared to pay more for niche benefits that help synergize your planning and mitigate the deficiencies in your planning. Don't be afraid to hire the appropriate professionals to help you avoid the unknowable pitfalls and mistakes (and expect to pay more ..read more

Give your financial self a chance at success by capturing the moment and overcoming procrastination. The simple tools and tips in this article will provide you the needed insight and digital framework needed to start developing the perfect financial plan. Create ‘Financial Filing Cabinet’ A master filing system seems like a pretty obvious yet essential starting point. Clean up your ‘junk drawer’ mentality of financial management and figure out what's actually required to be remembered, readily accessible, and for what accounts you simply just need login access. The best organizational systems ..read more

Almost every client I’ve ever met has opportunities to significantly improve their car and home insurance coverage. Sometimes its several opportunities, just waiting to be discovered, offering better coverage and even for less money. The primary reason is that Property & Casualty agents are not qualified to evaluate your holistic financial plan and, in turn, do not gather all the pertinent data. Furthermore, because we revisit the insurance so infrequently, incorrect deductibles and improper coverage can linger hidden for decades. Become a member to view this article Classes | Articles | O ..read more

Almost everyone loves the idea of owning income-generating rental real estate, especially in those early years of retirement. What's not to love? It can provide consistent income and you may even be able to enjoy it. Inherent benefits aside, it's vital to understand when taking on such an endeavor that one treats it like a business – because it is, in fact, a business. And like any business, it comes with responsibilities. Whether managing an income-generating property is the right decision for you will largely depend upon your financial situation, life objectives, and sometimes, even your per ..read more

Note: I have no insurance licenses, receive no compensation of any form in writing this article. I write this article to simply offer my personal extensive experience and to serve as a guide to help our clients decide if Long Term Care Insurance or No Insurance based on their personal set of circumstances. The ‘Prequalification’ Process we offer is a flat cost service designed to help clients make an objective decision on Long Term Care planning, with or without purchasing insurance. By reading the entirety of this article, you are saying to yourself you are open to the concept of Long-Term Ca ..read more