The first step to a brighter future is vision.

Learn the ins-and-outs from our retirement blog.

Pension Decision: Lump Sum or Lifetime Payments?

It is an age-old financial planning dilemma: Take the big sexy pot of money or the monthly payments for life? This question, of course, assumes that you are fortunate enough to have a pension and your pension offers a lump sum option. What if your former employer goes bankrupt? Some people like the idea of …View Article

Volatility Matters For Retiree Investors

If you learn one thing from our blog this year, I hope it will be the concept of today’s article. I have come to believe that volatility is one of the most underappreciated aspects of investing. Everyone likes to focus on rates of returns, but the volatility of a portfolio can be equally important. How …View Article

Real Estate: Rental Properties vs. The Stock Market

Have you ever wondered whether buying rental real estate  is a better investment than the stock market? What are the costs, challenges, and likely returns for being a landlord?  Analyzing all of the cash flows can get confusing, so let me elucidate. That means shed light upon…just in case the word elucidate needed any elucidation. …View Article

Boomerang Kids: Suggested Ground Rules

Do you know anyone who has an adult child living at home for financial reasons? Most people do. Yet very few pre-retirees have this situation on their radar.  They do not think this as a financial risk to their own retirement or break out financial support for adult children as a planned budget item. Boomerang …View Article

Reverse Mortgage – An Underutilized Tool?

Lately, reverse mortgages have been getting more respect from academic researchers and financial planning journals. Many people think a reverse mortgage is to be used as a tool of last resort. However, recent research has shown that they can be more valuable if taken earlier in retirement to decrease the amount of withdrawals needed from …View Article

Fox Business: Should You Buy Life Insurance for Your Kid?

Jeremy Kisner is quoted extensively throughout this Fox Business article on whether or not it makes sense to buy life insurance on your children. Jeremy: “It is hard to make a good case that a child’s death would create a financial hardship and there are better savings strategies for children.” He goes on to give examples and exceptions in the article.

Home Ownership – Buy or Rent Your Residence?

One of the biggest financial decisions people make is whether to buy or rent their place of residence. It was generally accepted that buying was the wealth-maximizing strategy prior to the housing bust of 2006-2011. Now, many people are not as enamored with the idea of home ownership as they once were. Home ownership has …View Article

Education Leads to Higher Life Satisfaction

A few months back, I wrote a blog post titled “Is College Worth the Cost?” This past week, the Gallup organization, in conjunction with Purdue University, shed more light on the specific higher education decisions and experiences that lead to better life satisfaction. Their landmark study, called Great Jobs Great Lives, provides some surprising findings …View Article

A Good Financial Advisor Will Tell You: Book Review

A Good Financial Advisor Will Tell You… Since our book, titled “A Good Financial Advisor Will Tell You…,” was published a couple years ago, it has become a bit of a sensation and garnered rave reviews on Amazon. It is not a stereotypical introduction to investing book. We wanted to break the norm, show an …View Article