Monthly Archives: September 2015


29

Sep 2015

Don’t Overrate Your Rate of Return

Numbers, as we all know, can be deceptive at first glance. Let’s consider this scenario: Your colleague at the water cooler, Ken Jones, starts bragging one day about how great a performance he has seen with one of his investments. “You should check out that rate of return!” Ken says. “Sure, there are some off years, but wow just look at how well it’s done...

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28

Sep 2015

What is Below The Grass Planning™?

When the team at Cornerstone Financial Strategies discuss legal planning for after death, we refer to it as Below the Grass Planning™. Estate planning involves more than just arranging for the disposition of your money and other assets when you die. It should be done in tandem with Above the Grass Planning™ You should make advance provisions to transfer control to someone else, either temporarily...

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23

Sep 2015

Do You Want to Know When You Can Retire?

You can find out whether and when you can retire. But, there are a lot of nuances to that decision. Today’s typical retirees could have up to three sources of income. They’ll have Social Security; they’ll have some sort of defined benefit or defined contribution plan (401(k), 403(b), pension), whether they’re self-employed or not; and then they will have their private accumulated assets, which could...

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16

Sep 2015

Your Ideal Life Tip: Find the Best Use of Your Time, Delegate the Rest

We have many clients who are very detail oriented and are prone to suffer from what I call paralysis by analysis. They feel the need to crank out every possible combination and permutation. If financial planning were pure science, a computer program could replace the role of financial advisor. But no computer program can understand the art of financial planning. It takes finesse to help...

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10

Sep 2015

A Strategy for Playing The Back Nine

You might think of life as like a golf course: You have the front nine and the back nine. Some advisors in the financial services industry focus on helping people accumulate money. That is, they’re on the front nine. But a huge question is how do you get that money out, with respect to tax efficiency. That’s critical. And that is playing the back nine....

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08

Sep 2015

A Vast Amount of Investment Options

The universe of investment options is vast. Selections include mutual funds, individual stocks, exchange-traded funds, managed futures, commodities, precious metals, and investments that are geographically focused like, global, international, emerging-market, or U.S. domestic. Some investments are equity oriented while some are fixed income oriented, or a combination of both. It is important to be working with a professional who has access to all options and...

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