For The Business Owner
The Importance of Networking as a Small Business
Networking for small businesses can produce some of the greatest returns in business. We have all heard the saying, “It is not what you know, but who you know”. This saying is extremely applicable within the small business world. As one is trying to grow in success... read more
Considering a retirement plan for your employees?
The best small businesses offer retirement plans to their employees. 401ks, 403bs, SIMPLE IRAs, and SEP IRAs, etc. can be extremely beneficial to the overall success of a company! There is, of course, no requirement for small business owners to offer an... read more
Avoiding the “Two-Plan Tony”
In the world of retirement plan consulting, there exists a technical term used to describe brokers/advisors that are dabbling in the space but for whom, consulting on retirement plans is not a core competency. These brokers/advisors are non-affectionately known in the... read moreFor The Non-Profit
How a Financial Advising Firm Can Help a Non-Profit
Earlier this year I had the pleasure of attending Momentum Nonprofit Partners’ Conference – it was an insightful event, especially through the lens of someone working in finance. The speaker mentioned the term “bizsplaining”, as an act where financial professionals... read more
Is your cash reserve fund working smart for you?
Many nonprofit organizations have a cash reserve fund of which the primary objective is to take on limited risk. The secondary priority would be the amount of yield that fund is able to get. Considering these two concerns many nonprofits consider just two choices,... read more
Nonprofit organizations need retirement plans too.
Nonprofit organizations need retirement plans too. Offering retirement benefits at your nonprofit can help you be competitive at attracting the best talent for your nonprofit organization. Most employers in the nonprofit sector provide retirement plans. Many different... read moreFor The Personal Investor
What should I do?
Showcased by gains in the S&P 500 for all twelve months, 2017 was the least volatile year in the stock market since at least 1986. On the flip side, 2018 has not been so kind as evidenced by two 10% declines for the S&P 500 already this year. With this sort... read more
Are you ready to retire?
When the time comes, will you be able to retire comfortably? As retirement age approaches, many individuals belatedly review their finances to see if they can afford to stop working. However, often, these investors discover that they should have been planning for... read more
Do your investments reflect your values?
As social responsibility and environmental awareness become more popular, the demand for ESG investments has grown as well. ESG investing is defined as investing by taking into consideration environmental, social, and governance factors in conjunction with your... read moreFor Cash Management
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Behavioral Biases Series
I visualized my grief if the stock market went way up and I wasn’t in it—or if it went way down and I was completely in it. My intention was to minimize my future regret, so I split my retirement plan contributions 50/50 between bonds and equities. —Harry Markowitz, father of Modern Portfolio Theory
According to an article published in Seeking Alpha, Regret Aversion “refers to the idea that investors fail to make decisions or take action because of the fear that they will regret it in the future. This bias is closely tied to errors of omission, where an error is... read more
A wise man should have money in his head, but not in his heart. —Jonathan Swift
A wise man should have money in his head, but not in his heart. —Jonathan Swift This week we are going to examine what is known as the Endowment Bias. According to a paper published in the Journal of Econimic Perspectivesby Daniel Kahneman, Jack L. Knetsch and... read more