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Reinventing Yourself in Retirement: Rich Rajacich

I wanted to call this post “A Star Is Born,” but I figured that title was pretty much taken. Nevertheless, this story of my friend, and Surevest Client, Rich Rajacich should be an inspiration to anyone who is looking to reinvent themselves. In 2004, Rich was at the peak of his career as an endodontist. ...View Article

How I Invest My Money

I have to admit that I got the idea for this blog post from a soon-to-be-released book by the same title. Just as the cobbler’s kids often have no shoes, many financial advisors do not practice what they preach. It is a bit shocking that not all financial professionals save, invest, and insure like the …View Article

Dog Ownership: Health Benefits & Financial Costs

One consequence of the Covid pandemic is more people are buying or adopting new pets.  This brings up several questions, including: Are pet owners happier than non-pet owners? Do these pet owners live longer and/or healthier lives? And how much does it cost to own a pet? Several studies have shown compelling rewards to sharing …View Article

Financial Stress: Impacts on Health & Relationships

Almost all Surevest clients are doing just fine financially and have not been adversely affected by the Covid-19 pandemic. That may not be the case for their adult children and grandchildren. Therefore, I wanted to shine some light on the potentially devasting effects of financial stress. The American Psychological Association publishes an annual “Stress in …View Article

Solo 401k: My Favorite Retirement Plan for the Self-Employed

The great thing about being self-employed (yes, independent contractors, that means you) is unlimited freedom, control, and upside potential. The trade-off is no pension, benefits, or company-sponsored retirement plans. Most self-employed individuals understand this and are motivated to sock money away so they can become financially independent one day. The question is: What’s the best …View Article

Market Timing – Why We Never Go To Cash

The stock market has been volatile to say the least in 2020.  Every time we see market volatility like this, investors are tempted to time the market.  They do this by making short-term changes to their risk tolerance,  selling some or all of their stocks and waiting until the market is lower to buy back …View Article

Investment Time Horizon – Most Common Investor Mistake

The most common mistake among investors of all ages is not matching the right type of investment to their intended time horizon (how long until they need the money). We are frequently asked by clients where to invest short-term money. Nobody wants to put it in the bank when interest rates are below 1%. The …View Article

Retirement Planning: FAQs

Prior to the Covid-19 pandemic, approximately 40% of the retirees stopped working sooner than planned as a result of medical issues, the need to take care of a loved one, or corporate downsizing.  That number of may be about to skyrocket as workers find they do not have a job to go back to or …View Article

Financial Relief for Individuals & Small Business Owners

The federal government has responded to the Covid-19 pandemic with a wide variety of relief programs and stimulus spending to help individuals and small businesses.  However, many Americans are confused regarding which programs they are eligible for, and if they will receive benefits automatically or if they need to apply for them.  This week, I …View Article

Coronavirus Stimulus Plan: What It Means to You

The Coronavirus Aid, Relief, and Economic Security (CARES) Act of 2020 seems to have something for almost everyone. The bill is 335 pages long, so today’s article is a summary of the few provisions most likely to affect our clients, specifically recovery rebate checks, which 90% of American households will receive, and the waiver of …View Article