Does Dollar Cost Averaging Make Sense?

By Bob French, CFA

The appeal of market timing is obvious. Who wouldn’t want to get in and out of the market at the best time every time? We’ve talked a lot about market timing in the past – timing risk premiums, trying to time the markets on a daily basis, and the importance of staying disciplined even when it seems obvious the markets are going to go down.

Putting Monday’s Drop in Perspective

By Bob French, CFA

The appeal of market timing is obvious. Who wouldn’t want to get in and out of the market at the best time every time? We’ve talked a lot about market timing in the past – timing risk premiums, trying to time the markets on a daily basis, and the importance of staying disciplined even when it seems obvious the markets are going to go down.

How Much Income Do I Need in Retirement?

By Bob French, CFA

Most people are focused on saving for retirement so they’ll have the money they need to fund their income in retirement. However, ask most people how much they’re going to spend in retirement and they have no idea. To plan for retirement…

Are Bitcoins a Good Tool For Retirement Investors?

By Bob French, CFA

The appeal of market timing is obvious. Who wouldn’t want to get in and out of the market at the best time every time? We’ve talked a lot about market timing in the past – timing risk premiums, trying to time the markets on a daily basis, and the importance of staying disciplined even when it seems obvious the markets are going to go down.

Harvesting Gains and Losses (No Prior Farming Experience Needed)

By Rob Cordeau, CFP®

You may have zero interest in agriculture, but trust me when I say that anyone with a taxable investment account should be thinking about harvesting – gain/loss harvesting, that is. You can safely ignore gains/losses in tax-qualified retirement accounts – like your…

Charitable Planning – Leveraging Those Gains

By Rob Cordeau, CFP®

There are few things more rewarding than giving of your resources in a way that has a positive and profound impact on the lives of others. Fortunately, the IRS encourages this type of generosity by classifying donations to qualified charities as tax-deductible.…

On the Power of Disciplined Investing

By Bob French, CFA

The appeal of market timing is obvious. Who wouldn’t want to get in and out of the market at the best time every time? We’ve talked a lot about market timing in the past – timing risk premiums, trying to time the markets on a daily basis, and the importance of staying disciplined even when it seems obvious the markets are going to go down.

How Can You Protect Yourself from Identity Theft and Data Breaches?

By Rob Cordeau, CFP®

Data breaches are a constant concern in our modern society. As the latest in a long string of data breaches, Equifax recently announced they were the target of a cyberattack in which the sensitive information of nearly half of all Americans was…

How Can You Prepare for the Next 2008?

By Bob French, CFA

In early October 2007, the S&P 500 Index hit its highest point, then lost more than half its value over the next year and a half during the global financial crisis. In the coming weeks and months, we’ll see anniversaries of other…

How Good Is the VIX Index at Predicting Market Volatility?

By Bob French, CFA

The VIX Index is one of those things people mention to sound smart. It’s just obscure enough that most people have heard of it, have some inkling of what it is, and feel like they should understand – but they don’t really…

A Boring Market is a Happy Market, so Why Can’t People Leave Their Portfolios Alone?

By Bob French, CFA

People use a lot of adjectives to describe the market, but we’re excited to say we are currently experiencing what we would call a “boring market.”

What Does Your Funded Ratio Score Mean?

By Alex Murguia, PhD

We are really fond of the Funded Ratio because it allows us to provide a numerical picture of your retirement income plan. In our retirement income optimization process, you can create a framework by providing your preferences for your financial objectives and…