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Tips to Navigate the “Saving for College” Conundrum

Ah, the high price of higher education. I can’t tell you how many bewildered parents in Red Bank, NJ and throughout Monmouth County have approached me with questions about saving for college. It’s a topic that serves as a daily source of anxiety throughout the...

Do You Know These 3 Year-End Tax Tips?

With so much of our attention focused on the holidays and 2016, it can be easy to forget to look for year-end tax tips that make your tax filings a better experience. Don’t let that happen to you! The good news is it’s not too late to make a few moves to better your...

Deciphering Financial Advisor Jargon

Hiring a financial advisor in the New Year? Be warned. Financial advisors love to use jargon. “Diversify your investments to prevent major losses.” “Separately managed accounts are mutual fund alternatives.” “SEC data shows that the average investor could lose...

Beginning of the End for Bonds – Pop Goes the Great Credit Bubble

The Great Credit Bubble is unraveling at the bottom in "junk bonds", below BBB- ratings. This will quickly make its way into all debt. I don't know if the Federal Reserve is ready for this. If you have been reading my Blog - you are ready for it.  Bonds of all types...

The 60/40 Portfolio: Why it’s Outdated AND Dangerous

Adding up a 20% tip on your wristwatch calculator. Answering a 40-question survey on your typewriter. Investing 60% of your savings in stocks and the rest in bonds.   Those three things have something in common: They made sense in the 1970s. Today, they’re...

Registered Investment Advisors: Who Are They, and Why Should You Care?

We’ve all seen it. Probably not the same version. But something similar. It’s that commercial. You know, the one with the concerned couple sitting across from the financial advisor’s desk. “Don’t worry,” he says. “I’ll make sure everything is okay. Your kids will go...

Debunking Modern Finance Theory in Red Bank, New Jersey

Know any college kids majoring in finance? I can probably save them the trouble of attending their stock investing class. Because I’m 99% sure I already know what they’re being taught. And it’s not accurate. Not even close. As Lawrence A. Cunningham points out in his...

Mutual Fund Capital Gains: The Potential Rain on Your Retirement Parade

Just because it’s finally April doesn’t mean you’ll get caught in the rain. But if you still have your money in mutual funds, you need to put this on your radar: A tax downpour caused by distributed mutual fund capital gains.     Capital Gains and the Mutual Fund...