Enhance Today | Enrich Tomorrow
For many people, evaluating their financial situation means just reviewing investment performance against the Dow Jones Industrial Average. Now, Morningstar has produced new research they call Gamma, which highlights the value of smart financial planning. This post will summarize the last of the five strategies, liability…
That is a question asked by many investors today. One way to analyze this question is look at previous situations in US history when bond yields reached levels seen today. As noted in the chart, the previous treasury yield low…
As we did last year, Financial Symmetry has covered several current events on our blog throughout 2012, and here are what we think the Top 10 Economic Stories of the Year have been: (Click the plus (+) symbol to expand…
As financial planners, we are often asked about how to fund retirement income needs. Traditionally income in retirement has been thought of as a three-legged stool-Social Security, pension, and withdrawals from savings. Today’s retirees still count on Social Security, some…
A recent study from Morningstar suggests that implementing solid financial planning strategies can increase a retiree’s investment income by 29%, which they equate to an additional 1.82% in investment returns every year. If we consider a $1 million nest egg…
With the election coming up next month, we thought it might be a good time to discuss our thoughts on the looming fiscal cliff. What’s the Fiscal Cliff? The term “fiscal cliff” was first used by Ben Benanke to describe…
On October 10th, as a part of the SAS Work/Life program, FSI Partner Chad Smith spoke to employees at the SAS Campus in Cary. The topic dealt with common Retirement Myths that are circulated by popular sources which tend to…
It’s been a year since we discussed the two weakest links for jobs in the US labor market which are Residential Construction and Government. With continued improving employment figures, we thought it would be a good time to revisit these…
Investors have heard plenty of negative news internationally in 2012, the two biggest stories being the European Debt problems and slowing growth in China. Given that these negative stories have been common the last couple of years, it’s natural to…
One of our most important jobs as financial advisors is to help our clients manage risk. This takes on many forms, but one of the most central is investment risk. We frequently hear the phrases, “I don’t want to lose…
