As in Exercise, Portfolio Selection and Management Should Be Intentional and With Purpose

Fashioning and Molding a Portfolio Should Be Unique For the Client With Their Goals in Mind

The Ingredients of a Portfolio Should Be Purposeful and Most Importantly Transparent

Investment Management Should NOT Follow the Ways of the Past of Buy and Hold

If and When the Financial Landscapes Change So Too Should Your Portfolio as Many Factors Can Offset the Effectiveness of Returns

Practicing Both a Tactical and Strategic approach to Investment Management Assists in Knowing What May be Coming From Behind




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What is an investment adviser?

An investment adviser is an individual or a firm that is in the business of giving advice about securities to clients. For instance, individuals or firms that receive compensation for giving advice on investing in stocks, bonds, mutual funds, or exchange traded funds are investment advisers. Some investment advisers manage portfolios of securities.


What is the difference between an investment adviser and a financial planner?

Most financial planners are investment advisers, but not all investment advisers are financial planners. Some financial planners assess every aspect of your financial life—including saving, investments, insurance, taxes, retirement, and estate planning—and help you develop a detailed strategy or financial plan for meeting all your financial goals.

Others call themselves financial planners, but they may only be able to recommend that you invest in a narrow range of products, and sometimes products that aren't securities.
Before you hire any financial professional, you should know exactly what services you need, what services the professional can deliver, any limitations on what they can recommend, what services you're paying for, how much those services cost, and how the adviser or planner gets paid.


What questions should I ask when choosing an investment adviser or financial planner?

Here are some of the questions you should always ask when hiring any financial professional:

  • What experience do you have, especially with people in my circumstances?
  • Where did you go to school? What is your recent employment history?
  • What licenses do you hold? Are you registered with the SEC, a state, or the Financial Industry Regulatory Authority (FINRA )?
  • What products and services do you offer?
  • Can you only recommend a limited number of products or services to me? If so, why?
  • How are you paid for your services? What is your usual hourly rate, flat fee, or commission?
  • Have you ever been disciplined by any government regulator for unethical or improper conduct or been sued by a client who was not happy with the work you did?
  • For registered investment advisers, will you send me a copy of both parts of your Form ADV?

Be sure to meet potential advisers "face to face" to make sure you get along. And remember: there are many types of individuals who can help you develop a personal financial plan and manage your hard–earned money. The most important thing is that you know your financial goals, have a plan in place, and check out the professional you chose with your securities regulator.


Financial Literacy for Children

by Steven Lewis on Sep 17, 2018

In a recent survey by JumpStart Coalition for Financial Literacy, only 26 percent of those between the ages of 13-21 said that they had been taught how to manage money. Yet, when they turn 18, kids are signing contracts for student loans, opening credit card accounts, and in many instances, living away from home with little financial guidance available.

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How Your Social Security Survivorship Benefit Affects Your Life Insurance Needs

by Steven Lewis on Mar 21, 2018

Generally speaking, conversations about life insurance revolve around whether you should buy term or permanent insurance. However, every decision to buy life insurance begins with deciding what is the right amount of life insurance. And, integral to determining the right amount of life insurance is understanding the role of your Social Security Survivorship Benefit (SSSB).

What is the Social Security Survivorship Benefit?

If you qualify for Social Security and pass away, a SSSB may provide a stream of monthly income to your widow, widower, and/or children. Simply stated, your SSSB is another form of life insurance. After all, like life insurance, you pay a premium for it in exchange for a benefit to be paid to your beneficiary at your death.

But understanding how you qualify, who will be paid, and how long and how much they will be paid, requires careful planning. Let’s start with who will be paid.

What will your children receive?

A SSSB benefit is payable to your unmarried natural children until they reach age 18 or are full time students up to age 19 and two months in elementary or secondary school.

In some cases, stepchildren, grandchildren, step grandchildren or adopted children may receive benefits.

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There is no getting around it—health insurance is complex and complicated. You have to have it and there is no one-size-fits-all solution. And, when your child is living with a special need it makes the whole process even more complicated. Finding in-network specialists, scheduling exams, and keeping track of copayments and deductibles can be exhausting.

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