Category Archives: Financial Planning

NEED TO KNOW: Medicare Open Enrollment

Written by Richard Rosso | Sep, 20, 2017

Rising health care costs are a formidable challenge which requires ongoing vigilance. Preventative measures which include a regimen of regular exercise and smart eating habits can go a long way…

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3-Reasons To Question Your Advisor’s Every Move

Written by Richard Rosso | Sep, 13, 2017

I’m sure your financial partner is a well-meaning individual. I’m also certain the professionals chosen to assist with growing and protecting your wealth are doing what is acceptable per what…

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#FPW: 5-Financial Myths You Should Ignore

Written by Richard Rosso | Sep, 6, 2017

The financial terrain is strewn with robust fables cleverly disguised as facts. The setbacks to financial security due to stock market returns never realized, the precious time and human capital…

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3-Financial Lessons Learned From “Harvey”

Written by Richard Rosso | Aug, 30, 2017

I am obsessed with disaster movies. I’m still taken by cinema epics that drive reality to the breaking point. Fictional events that push characters up against a wall, compel them…

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5-Must See Charts For Retirement Distributions

Written by Richard Rosso | Aug, 16, 2017

“With every new wave of optimism or pessimism, we are ready to abandon history and time-tested principles, but we cling tenaciously and unquestioningly to our prejudices.”  ― Benjamin Graham, The Intelligent Investor…

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You’re Going To Die…Now What?

Written by Danny Ratliff | Aug, 2, 2017

November 30, 1989, I remember it like it was yesterday. I was 8 years old, in Miss Duke’s 2nd grade class at Inwood Elementary in Houston, TX. Little did I…

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6-Things “Super Savers” Do That You Don’t

Written by Richard Rosso | Jul, 26, 2017

Super savers march to a different drummer. Impetuous financial decisions are not in their DNA. They exist outside the mainstream of consumerism. These hyper-savers have a unique ability to delay…

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4-Ways To Blow Your Retirement

Written by Richard Rosso | Jul, 19, 2017

You’ve done all the right things. There was that formal retirement analysis 5-7 years before your anticipated target date, a consistent plan of saving, investing, and portfolio risk management coupled…

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The Return Of The “Minsky Moment”

Written by Richard Rosso | Jul, 11, 2017

“The emergence of money manager capitalism means that the financing of the capital development of the economy has taken a back seat to the quest for short-run total returns.” –…

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#FP: The RIA Financial Guardrails

Written by Richard Rosso | Jun, 28, 2017

The following guide was authored by both Richard Rosso, CFP, CIMA and Danny Ratfliff, CFP, ChFC. Guardrails are forged to prevent navigators from veering off course. Financially, it’s easy to…

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#FP: Why I Left A “Big Box” Firm

Written by Danny Ratliff | Jun, 27, 2017

I’ve just embarked on a new journey. Not a new career. Not a new job title or even a greater income. (Well at least for now, I hope.) What I…

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#FP: 5-Tips To Boost Retirement Cash Flow

Written by Richard Rosso | Jun, 21, 2017

The first year in retirement is a form of rebirth. I deem it the black hole. A period that’s a bit exciting, somewhat disconcerting, but eventually a clear perspective is…

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#FP: The Financial Manifesto

Written by Richard Rosso | Jun, 7, 2017

“You’re going to die if you stay there.” In 2011, I was being ripped apart by internal conflict. My physical health was in decline; mentally, the daily stress of my…

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#FP: Girl, I Heard You’re Getting Married

Written by Richard Rosso | May, 31, 2017

Johnny Maestro never gave up. Born on New York’s Lower East Side to a lower-middle class Italian family, humble beginnings singing acapella in city subways in the early 1950s, Johnny…

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#FP: The Genesis Of The “Bubble’s Bubble”

Written by Richard Rosso | May, 24, 2017

The financial services industry is headed for the greatest debate in recent history. Regardless of what occurs from here –a continued stock market bullish trend or reversion to long-term averages…

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