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Financial Planning Update:

   Reality Show for Investors:  "Survivor"

Anyone studying the long-run history of American business cannot help but observe how many of the prominent firms of one era fail to make it to the next.  Free-market economies are characterized not only by intense competition but also by disruptive change.  Sometimes a company’s toughest competitor turns out to be a firm it has never heard of selling a product or service that didn’t exist until recently.  The list of companies that once dominated their industry but have fallen on hard times is lengthy enough to give every thoughtful investor reason for sober reflection.    more

 

   Four Tips for Tax Smart Investing

At times, you may be able to use losses in your investment portfolio to help offset
 realized gains.

Savvy investors have long realized that what their investments earn after taxes is what really counts.  After factoring in federal income and capital gains taxes, the alternative minimum tax (AMT), and potential state and local taxes, your investment returns in any given year may be reduced by 40% or more.  Luckily, there are tools and tactics to help you manage taxes and your investments.  Here are four tips to help you become a more tax-savvy investor.  more

The 4 Percent Rule -- What is the Right Amount to Withdraw from Your Retirement Fund Each Year?

With stagnant incomes and roller-coaster investment returns over the past decade, individuals on the brink of retirement might wonder what became of all those “rules of thumb” affecting how they handle their nest egg once they walk away from their jobs.

They’re still there. But the question of how well they work comes down to the individual.   more

   Keeping Your Credit Score Healthy

It doesn’t take much these days to damage a credit score.  Before the recession, late payments and blasting through credit limits would take its toll.  But in the past year, Fair Isaac, the company that developed the algorithm that is the leading determinant of our scores, made an important change in its formula.  more

  How to Prepare For Your First Planner Visit

If you’ve never met with a financial planner before or if it’s been years since you’ve visited one, you need to find a planner then prepare for your visit.  Generally, you should research individual financial advisers or firms, and you should look to trusted friends and family for advice.  You should interview two or three advisers by phone before you sit down and understand their compensation structure.

 It’s also important to discuss your overall goals with the planner you’re interviewing so you can gauge their ability to help you meet those targets.  more

    Moving Toward a No-Debt Lifestyle: Steps to Consider

Any financial planning process begins with necessary changes in financial behavior.  The degree of change varies based on financial priorities, but in the end, it’s about adopting good habits and abandoning bad ones.

Before you take any of the following steps, it makes sense to talk to an expert who can help you see your whole financial picture. A financial planning professional can examine all your sources of income and expenses and find the most efficient ways to cut expenses, pay off debt and boost the money you have for saving and investing.   more

  Presentation:  Behavioral Biases and Investment Implications

                  Scott A. Bosworth, Vice President, Dimensional Fund Advisors

Research indicates that humans are not naturally wired for prudent, long-term investing.  Scott Bosworth describes common forms of behavioral bias and discusses how these biases influence investment decision making.  He also explains how knowledge and discipline can help investors control their instincts for a better investment outcome.

More Financial Planning Articles. . .

Ways to Afford Your Retirement Account Catch-Up   Contributions

What's Your Risk Tolerance?

With Premiums Increasing and a Major Carrier Exiting the Market,
Should You Still Consider LTC Insurance?

The Stock-Bond Decision

Getting the Kids Involved in Saving for College

Making Your Employer a Partner in Your Financial Planning

Losing Your Inheritance to Uncle Sam - Or Others

Consider a 529 Plan When Saving for College

Navigating The Federal and State Tax Maze

What is the Real Reason You Should Invest?

 

Steven P. Copeland, CFP®   

53 Rossmore Avenue

Bronxville, NY  10708

(914) 771-5277

steve@safe-harborplanning.com

Regulatory & Disclosure Information for Safe Harbor Financial Planning:   All information contained herein is for informational purposes only and does not constitute a solicitation or offer to provide financial advice or investment advisory services.  Any follow-up, or individualized response to any person that involves either the effecting or attempting to effect transactions in personal financial planning services, or the rendering of personalized investment advice for compensation, will not be made absent of compliance with state investment adviser requirements, or an applicable exemption or exclusion. In addition this material is not meant to provide, investment advice or financial planning advice. This web site does not purport to be a complete description of our services or performance.  It is not our intention to state or imply in any manner that past results and/or profitability is an indication of future performance. All material presented is compiled from sources believed to be reliable. However, accuracy cannot be guaranteed.

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 Safe Harbor Financial Planning is a Fee-Only financial advisory firm located in Bronxville NY and serving the NYC tri-state area.  For more information, see About Us.