Category Archives: Financial Planning

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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#FPW: Escaping Debt Darkness – Part 3

Written by Richard Rosso | May, 17, 2017

Credit card debt has morphed into a bona fide monster.  Federal Reserve data on revolving debt as of April 2017, reflects how out of control the beast is. Credit card…

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#FPW: The Financial Wellness Evolution

Written by Richard Rosso | May, 10, 2017

        The Financial Wellness Evolution: The Flow from Soil to Harvest “The soil of a man’s heart is stonier, Louis. A man grows what he can, and he tends it….

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#FPW: Escaping Debt Darkness – Part 2

Written by Richard Rosso | May, 3, 2017

“I was taken by darkness, but there was light all around, inside me. I never felt such utter peace, clarity and sobriety.” – Johnny Cash As explained it to his wife…

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#FPW: Escaping Debt Darkness – Part 1

Written by Richard Rosso | Apr, 26, 2017

“Every man comes to a crossroad somewhere along the way. Johnny Cash came to his crossroad in a place called Nickajack Cave.” – Gary Allan August 1992 David Gant illegally entered…

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#FPW: 7-Financial Lessons From Luling

Written by Richard Rosso | Apr, 12, 2017

July 10, 1877: How can there be so much blood? John knew what he was seeing wasn’t good. Blood this dark meant something serious; something arterial hit by the bullet….

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#FPW: Where Were You In ’62

Written by Richard Rosso | Apr, 5, 2017

“David Rockefeller is gonna save us!”  A small one-bedroom apartment was home for mom and me in the 70s. Narrow halls lined by endless rows of blackish-green lead painted front…

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#FPW: 5-Financial Myths You Should Ignore

Written by Richard Rosso | Mar, 22, 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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#FPW: 5-Smart Money Ideas For Your Tax Refund

Written by Richard Rosso | Mar, 15, 2017

What would you do with three-thousand bucks?  And what if this small fortune was out of reach every year until you spent months gathering documents and wasting precious hours, patience…

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