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The Art & Science of Financial Planning

In the last few years, we have seen the world of financial planning evolve and change. With the emergence of technology, robo advisers, and more information available to provide education, the choices people have with which to plan for their financial future is more diverse than ever before. But when it comes to taking action on your financial decisions, are you really getting what you need to make smart and effective choices for you and your family? The practice of any financial discipline requires both art and science to achieve optimal results. An over-reliance on either one will likely result in a sub-standard outcome. Therefore, to be truly successful, one must use a balance of b

Goals: Helpful or Hurtful?

Everybody, everywhere sets goals. At work, at home, with money, with weight, with success, with projects - you name it, someone has a goal for it. But, is setting goals doing more harm than good? Now, no one is going to say that setting goals is a bad idea, but maybe they’re not as motivating as you think they are. Evidence suggests that goal setting can be counterproductive, especially when goals aren’t matched up with specific action plans and behavior modification. Despite good intentions, many times we fall short of achieving our goal or when our goals are reached we go back to our old habits. This is especially true when it comes to your personal finances. One goal may be “I want

3 Things Your Financial Professional is Missing When it Comes to Retirement

For the most part, the retirement conversation is all around save, save, save. This makes sense considering the average 50 year old has only $42,797 saved for retirement, but there are many more decisions that have to be made. There are many different factors that impact your ability to have a successful and happy retirement. So, what is missing? Let’s look at just a few of the important issues to consider: Legal Documents - Get your legal documents in order. This starts with having a will and advanced directives. You should have a written statement of your wishes regarding medical treatment, including a living will, made to ensure those wishes are carried out should you be unable to c

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