Author: John Hall

Not Your Grandparents’ Retirement

How Millennials Can Prepare for Financial Future in the Modern Age Ask your grandparents about their retirement income. You’ll likely hear the word “pension” or references to “social security.” For younger generations, however, pensions aren’t as readily available and the “security” part of social security simply isn’t as, shall we say, “secure” as it once was. On the plus side, investing has become cheaper, more efficient, and easier to do on your own. So what’s a financially savvy millennial to do? Take charge of your own future! Know your options. This typically starts with your employer. What retirement savings...

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Investment Trends

What is an Index Fund? The past half century has been a great one for the individual investor. In that time, an investment vehicle known as an Index Fund was introduced, became more efficient, became widely available, and has become less expensive (and in some cases nearly free) to trade and own. In the past several years, this type of fund has found its way into many workplace retirement plans as an investment choice and is available at nearly every major online brokerage platform. Jack Bogle, founder of The Vanguard Group (commonly referred to simply as Vanguard), is credited...

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Retirement’s Ahead

Plan Your Journey It seems like just yesterday you were looking ahead to the next 10 years of your career and planning for that next job, the next move, the next pay increase. Now, all those “nexts” seem to pale in comparison to the big “next” that somehow crept into the horizon: retirement. This time in our life should be one that leads to peace of mind. For many, unfortunately, it leads to stress first. The questions linger in our head: • When is the right time? • Will my money last? • When do I file for social...

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Municipal Bonds

Personal Investments with Local Impact Impact investing is all the rage these days. So what is it? Impact investing is a catch-all phrase used when investments serve a dual purpose to both provide a potential return and serve as an instrument of change to have an “impact” with a cause the investor personally cares about. A good example of this would be an environmentally-focused mutual fund that invests only in “green energy” companies such as those involved in solar or wind power generation. An often overlooked type of impact investing, however, is the kind that can have a local...

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QUIT COSTING YOURSELF MONEY: RECOGNIZING OUR INVESTMENT BIASES

HOME BIAS People all over the country fill out basketball brackets every March for the NCAA tournament, often putting money behind their guesses. It likely wouldn’t surprise you that the predicted winners vary by geography; that is, people on the East Coast tend to favor East Coast teams whereas people on the West Coast tend to favor West Coast teams. It’s easy to see how that’s the case. People “bet” on what they are most familiar with… even if that familiarity has no bearing on who the eventual winner is likely to be. Ruining your bracket is one thing....

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