Keep Your Eye on the Horizon!

By: Richard Hitchock, CFP®

In the financial investing world, it is a well known observation that investors rarely match the performance of the market averages, year in and year out. What is little known is why. When it comes to seeing just how well an individual investor actually does—when looking at the effects of investor decisions to buy, sell and switch into and out of various investments over both short and long-term timeframes, it is startling to see that investor behavior is a culprit in below average performance as well as the actual returns of the market averages. Read more


By Richard Hitchcock

With the current equity markets and bond markets in record high territories, it may be timely to review your current investment strategy.

Let’s say you have been talking with some friends about investing and one of them starts bragging about how much they have made recently in the market. You don’t think much about it until you turn on the TV that night and see that the markets have reached another record high. So you begin thinking that, while you’ve never really thought much about the market, you want your assets to grow like that (took out comma) too. After deliberating awhile, you jump into the market.

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Emotions Can Ruin Even The Best Financial Plans

By: Ian Maddox, CRPS®

Letting emotions control our financial plans might not yield the outcome we hope for in the long-term.  The late Jim Morrison (The Doors) once said, “I think of myself as an intelligent, sensitive human being with the soul of a clown, which always forces me to blow it at the most important moments.” Morrison got it right.  One of the things that makes us human—the ability to experience complex emotions—can also be our unraveling. Read more

How Big Should My Retirement “Nestegg” be?

By Richard Hitchcock CFP®

 OK, so you don’t count your chickens before they hatch… but looking ahead, how much will you need to save for retirement?  

Of all the questions surrounding retirement planning, the question most often asked is “How much will I need to save?”  Let’s talk about several factors that should help answer your question.

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Don’t be intimidated: Talk To Your Kids About Money

By: Ian Maddox, CRPS®

Although retirement means you’re done working and can enjoy the fruits of your labor, ask yourself one question: Would you want your kids to enjoy it too? Most retirees tussle with the decision to leave their children money after they’ve passed on. You know what they say, “You can’t take it with you.” Saving for retirement always has its perks. You get to enjoy your earnings, see all of your hard work pay off, and do some of that much needed traveling you’ve always wanted to do.   Read more

Solving The Investment Account Puzzle: ROTH, Traditional, 401(k), Taxable—Arggh!

By:  Richard Hitchcock CFP®

When it comes to investing and trying to save for the future, consider how the normal family goes about it.  At first, there is usually a major effort to open a savings account at a bank or credit union (almost always just cash). After that mile stone is accomplished, then comes an IRA with a small yearly contribution. At work, a 401(k) (or something similar) is opened. Then, the contributions are put in with some available investments chosen, maybe, by talking to fellow employees.   Read more

I Love Roller-Coasters…But Not When It Comes To My Investments

Last summer, I was traveling with my family in central Florida—part business, part pleasure.   On one particular day, my wife and I loaded up the kids and headed to Busch Gardens in Tampa.  If you have ever visited Busch Gardens then you know there is one particularly ominous roller-coaster that dwarfs all others—SheiKra™ is a red monster of twisting metal and a 200 foot vertical drop that produces speed in excess of 70 mph!  Let’s put it this way—not for the faint of heart. Read more