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Time is our most precious resource and I thank you for allowing me to get a few minutes of your time each week. I hope you find the blog helpful and informative. Send me an email if there is ever a topic you would be interested in learning more about. I will research it and write a future blog about it.

Why "Beating The Market" Should Never Be Your Goal In Retirement Thumbnail

Why "Beating The Market" Should Never Be Your Goal In Retirement

Yearly portfolio returns are literally meaningless in retirement and conversations about them put me into a deep REM type sleep. The only thing that matters in retirement is that you don't run out of money (also known as purchasing power). That's it! It turns out that "beating the market" or an imaginary benchmark in retirement doesn't really matter if you don't have two nickels to rub together and you're looking for a job when you could be hanging out with your grandkids.

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Owning The Best Companies In The United States

With the Russian invasion of Ukraine, we’ve seen first hand how world events can affect the markets here in the United States. We’ve seen lots of market volatility since the beginning of the year. But guess what? The market is always volatile. And the reason for that is many investors make all their decisions based on emotion. And by doing this they blur the lines between volatility and risk. Risk and volatility are not the same thing. In fact, they aren’t even remotely related.

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Try Something Different With Your Goals This Year

Happy New Year! It's that time of year when many of us resolve to change things for the coming year. We make a list of goals that we plan to stick to for the remainder of the following year. That’s great. What's not great is that the overwhelming majority of us don't stick to those goals. I can't actually prove why but my theory is that most of us have goals that create deprivation. Meaning our goal includes depriving ourselves of something we really like doing.

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Why Is The Stock Market So Volatile At Times?

If you follow financial "journalism" at all you will inevitably hear how volatile the market is and how you should take action to protect yourself from the volatility. However, when we turn off the "news" and look at things rationally, we can see a completely different story. One that is actually true. It's not the market that is volatile. It's the investors that are volatile.

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Your Cooperative Annuity Payment Options Explained In English Thumbnail

Your Cooperative Annuity Payment Options Explained In English

You may be considering retirement from your cooperative this year. Most cooperatives that participate in the NRECA plan provide you with an annuity option, lump sum option or some variation of both options via your R&S pension plan. If you are not familiar with annuities and their payment options the choices can be a bit confusing. I'm going to list the options with plain definitions that are easy to understand in hopes that it can help you make an informed decision.

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Football And Baseball Aren't The Same Game

Have you ever watched an NFL football game? While watching the game did you compare either team to your favorite baseball team? Probably not because they aren’t playing the same game. As a retirement income planner, I often get questions from clients and potential clients on outperforming the market or investment performance in general. Maybe they heard on the “financial news” that the market was up X percentage that day, month or even that year and they wonder why their retirement portfolio isn't up the same percentage. Well simply stated, I am not a day trader or short-term trader. I’m a long-term, goal focused, plan-driven investor. I’m not playing the same game as the so-called “experts” on TV and radio, etc. I’m not playing a day to day game. I’m not even playing a year to year game.

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Should You Take Social Security At Age 62? Thumbnail

Should You Take Social Security At Age 62?

The timing of your Social Security benefits can be important. It could make a difference of thousands of dollars in your retirement income. Although there are many factors to consider when making a decision about Social Security (more about that later), it’s fairly simple to calculate your break-even age. Let’s use an example to illustrate the calculation:

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