How to detect and avoid email scams?        

Everyone connected to the internet receives emails in some form and almost certainly has been sent an email considered fraud. 2.7 million emails are sent every second and about 60% of those are what IT security professionals would consider fraud. The most common type of fraud is called “Phishing”, a social act in which the …

Should you lease or buy your next car?

How do you determine whether you should buy or lease your next vehicle? Well, it really depends on what you want out of that vehicle, your financial picture, and who you are as a driver. It’s complicated and involves a lot of moving parts. Don’t worry, we will break it down to help you make …

Is there really such a thing as free trading?

If you ever see the word “FREE” emblazoned on a financial services advertisement, or you hear someone telling you that they don’t pay any costs in the financial services world, feel free to roll your eyes sarcastically. In fact, my preference is that when you see the word “FREE” in regard to anything in the …

Portfolio rebalancing: 3 reasons it’s important

Let’s be honest. Have you ever spent time looking at how all your investments are allocated (what your investments hold across your entire portfolio of holdings)? If you’re like most investors, you probably don’t give much thought to your mix of stocks versus bonds – but you should! Understanding your allocation is fundamental to understanding …

Tax loss harvesting: why bother?

When it comes to portfolios, some things stay the same no matter the generation of investor. At any age people hate losing money and love talking about their winning investments. I’ve practiced in the financial services industry for more than 20 years and I am amazed at how many stories I’ve heard about “the best …

Invest at your own speed

Steak? Salad? Low fat? Low carb? Everyone has their own dietary preferences and beliefs. They enjoy what they enjoy and believe what they believe (no matter how wrong some of them may be!) Investors also have individual preferences. Gamblers love the thrill of investing. They do not enjoy a disciplined, programmatic investment strategy. They might like the results, i.e. …

What matters in investing: returns you can eat

When you’re hungry, the only thing you really care about is what you can eat. Investing is like eating in that there is only one thing to care about – “returns you can eat.” Let me explain. You may have heard of this quote from Robert Kiyosaki, “it is not what you make, it is …

Real estate investing for income

It’s not uncommon for clients at or near retirement to own several pieces of either commercial or residential real estate that are being rented out for income to help create a nice return for their total investment portfolios. The question is – what is right and best to create income – especially at or near …

The rules to remember for your money

The rules of thumb for financial planning are helpful because they create easy to remember strategies for difficult financial concepts. The problem that is these rules of thumbs can be misinterpreted, misused, or misunderstood. Let’s break down the crucial rules of thumb and discuss the best way to apply them to your life to create …