The Federal Reserve's (Fed) ongoing quantitative easing (QE) policies have significantly altered the investment environment. QE essentially increases the money supply which allows interest rates to fall, encourages landing and

With the economy emerging from recession, the November elections behind us, and hope rising from the COVID-19 vaccine rollout, many investors look forward to 2021. While the S&P 500 hit record highs in 2020, interest rates are near record lows

Diversification is a strategy that reduces risks specific to company and industry (e.g., business and financial risks). It’s important to remember that no matter how diversified your portfolio is, risk cannot be eliminated completely. A well-balanced portfolio reflects the

We all understand the important role college can play in helping our children realize their dreams. Some statistics show that college graduates earn 74% more than high school graduates. The college graduates also have higher job

Short-term thinking almost always leads to poor investment decisions. Too often, investors get out of the market during difficult times, only to get back in after the market has rebounded. This tendency to essentially buy high and sell low

If you have ever tried to improve certain area of your life, you know how hard change can be. Everyone makes resolutions, but just few people are able to keep them. When you want to make a real change, you can increase your chances of

Over the years, I have been introduced to many people who have decided to bring me on as a financial advisor - and for that, I am grateful. I have tremendous amount of gratitude for clients who have been working with me for many years.

Roth contributions to 401(k) and 403(b) retirement plans became available on January 1, 2006. Unlike traditional, before-tax contributions, Roth contributions come from income that has already been taxed. That means qualified withdrawals from Roth accounts, including earnings, will be free from federal

A straight brokerage account is an account at a financial institution that allows an investor to buy, sell, trade and hold stocks, bonds, mutual funds, options, etc. Investment income, such as dividends and interest payments, and capital gains, generated from securities such as

Your clarity, good money habits and focus enable you to consistently make financial choices based on your core life values. Take a few moments and contemplate these questions: What is important to me? How can I use the money I have for