Category Archives: Financial Planning

Inflation Or Deflation? And How to Cope With Both.

Written by John Coumarianos | Jun, 19, 2018

The following is a slightly adjusted email I’ve sent to clients concerned about inflation lately. Sometimes retail investors have legitimate fear and anticipate economic trends correctly, but sometimes they don’t…

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9-Minutes To Change Your “Financial” Life

Written by Richard Rosso | Jun, 13, 2018

The suicide deaths of celebrities like Anthony Bourdain and Kate Spade has brought an uncomfortable and tragic attention to a growing problem. According to a recent report by the Centers…

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The 4-Mistakes In Your Financial Plan

Written by Richard Rosso | Jun, 6, 2018

So, you’ve decided to undertake comprehensive financial planning. A properly designed financial plan will cover important elements like retirement savings, insurance analysis and estate review; a qualified planner will target…

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10-Effective Habits Of The Fiscally Fit

Written by Richard Rosso | May, 23, 2018

We wonder how they do it. Those who make handling money look effortless. I have documented and monitored the money habits of fiscally-fit people for years. The following ten appear…

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The Value Proposition Of “Likeability”

Written by Richard Rosso | May, 23, 2018

Written By Byron Kidder and Richard Rosso, CFP. “Let me introduce an entity called You, Inc. This is a small, tightly controlled, privately-held company with the bulk of its productive…

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The Greatest Financial Mismatches In History

Written by Richard Rosso | May, 16, 2018

The spectacle of modern investment markets has sometimes moved me towards the conclusion that to make the purchase of an investment permanent and indissoluble, like marriage, except by reason of…

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The Pre-Retirement Preparation Checklist

Written by Richard Rosso | May, 10, 2018

Are you prepared? Most important: Are you aware? Aware of the common mishaps and misperceptions that may curtail a happy & healthy retirement? The Real Investment Advice and Clarity Financial…

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Investors Must Be Their Own Fiduciaries

Written by Richard Rosso | Apr, 25, 2018

The latest confusion front-and-center in financial industry news is how the SEC is seeking to define how the brokerage business should consider clients’ interests first. The latest attempt to create…

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Americans Used To Be Savers

Written by Richard Rosso | Apr, 12, 2018

  An article, a reflection of his childhood, The Financial Times’ Berlin Correspondent Tobias Buck recently wrote of Germany’s immutable obsession with saving money. His behind-the-scenes account of piggy banks…

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The Other Face Of Risk – Bonds

Written by John Coumarianos | Mar, 29, 2018

Usually, when it’s a good time to own high quality intermediate term bonds – those that serve as workhorses of most investors’ portfolios, it’s a bad time to own “high…

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A Day At The Beach, Part 1

Written by John Coumarianos | Mar, 19, 2018

I’ve just returned from the Research Affiliates Advisor Symposium in Newport Beach, California last week. If the cloudy and sometimes rainy weather disappointed some of the attendees, the conference itself…

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Projections Are Imprecise, But Not Useless

Written by John Coumarianos | Mar, 8, 2018

It seems banal to say, but financial planning requires return projections or estimates. If you’re saving money for a goal like retirement, sending a child to college, buying a home,…

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