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Tuesday, October 17, 2017

We would like to remind all of our senior clients that Medicare open enrollment started on October 15, and continues through December 5. That means it is time to reconsider your Medicare health plan selections, and whether your current...

 

Friday, September 22, 2017

Lets Face it - Your Identity has been compromised. This is the topic of the week - I have already received numerous calls on the topic from clients worried about the latest high profile hack at Equifax. But even if you weren't affected...

 

Thursday, September 14, 2017

Income Based Repayment and Forgiveness programs are a minefield of tax and financial complexity! The foolishness that is the U.S. government's student loan policy gets crazier and crazier the more you study it and dig into the details....

 

Monday, August 14, 2017

Safeguards can protect aging parents (or an aging you!) from money mistakes As financial advisors, we have a unique insight into people’s lives. If something is amiss in a client’s life, we will usually be one of the first...

 

Friday, August 11, 2017

Jim and Laura Kinney to Host Dave Ramsey's Financial Peace University Financial Peace University is a 9 week financial education program developed by radio talk show host and best selling author Dave Ramsey (Total Money Makeover). Jim...

 

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Wednesday, August 2, 2017

So July is in the books, and not much has changed. The stock market has continued its slow but steady grind higher. Good performance by the stock sleeve of the portfolio pulled our investor portfolios higher for July, the fifth...

 

Thursday, July 6, 2017

Look Past Recent Performance To Include Dissimilar Markets Markets have been very strong of late. Stocks have done well since the election, and bonds have yet to react negatively to rising interest rates. International stocks in...

 

Tuesday, June 27, 2017

I have been getting more and more into running over the past few years. A few weeks ago, I joined my daughter in running a 1/2 marathon in Buffalo. I did some reflecting the other day on similarities between distance running and...

 

Thursday, June 1, 2017

Stability, Stability, Stability – Markets are Being so BORING. Nothing seems to frighten the markets anymore. Not a North Korean madman with nuclear weapons. Not a Chinese debt bubble that makes our mortgage debt crisis look like...

 

Tuesday, May 23, 2017

OK, this is a bit of technical advice, not financial advice. And I am not the most qualified person to advise on this. But since many of you may have personal data on your computers - including financial data, I figure it is at least...

 

Wednesday, May 17, 2017

More Money is Not Always the Answer to Financial Problems! Anyone who is struggling to pay their bills and keep the household financial ship afloat can be forgiven for thinking that a little more money will solve their problems....

 

Thursday, May 11, 2017

Most of my financial planning clients, and almost everyone else I speak with, share the opinion that Social Security is doomed to failure. A deeper understanding of the program suggests that this most pessimistic view is not warranted.

 

Wednesday, May 10, 2017

Umbrella Insurance That Is. It's often overlooked, and in my experience, rarely even mentioned by insurance providers. But umbrella insurance is incredibly important to protecting your financial life in the event of a major legal...

 

Monday, May 1, 2017

This is an article that anyone thinking ahead to retirement ought to read / listen to. The CNBC piece (click here to view) makes many of the points I have made to clients in our financial planning sessions regarding the danger of...

 

Wednesday, April 19, 2017

According to an article in today's Wall Street Journal, consumers are voting with their money, and the vote is overwhelmingly in favor of the independent, fee-only advisory model. This is a vindication of sorts for Financial Pathways...

 

Wednesday, April 5, 2017

How to Create and Manage a Household Budget The most important single step most people can make toward improving their financial lives is to begin living on a budget. Sound intimidating? It shouldn't be! A budget is about seizing...

 

Tuesday, April 4, 2017

A Look at Living with Debt in Retirement A growing number of seniors are carrying debt with them into retirement. What are the implications? According to the Consumer Financial Protection Bureau, the percentage of homeowners 65 and...

 

Wednesday, December 14, 2016

Jim and Laura Kinney Trained and Certified by Financial Radio Host and Author Dave Ramsey Back in June Laura and I traveled to Nashville to be trained by radio talk show host Dave Ramsey. We learned how to coach people using the...

 

Wednesday, December 14, 2016

Rising Interest Rates are All Bad News for Income Investors The Federal Reserve made news today by raising interest rates ¼ of 1%. No big surprise there, but they did surprise the market by suggesting that Fed members were...

 

Wednesday, November 9, 2016

Wow. Shocker. I can’t even get my head around the idea of Donald Trump as my president. In a recent email to our investment clients, I had noted that Hillary Clinton appeared to be the clear favorite of the markets, and that...

 

Saturday, October 1, 2016

Nothing is certain in life, they say, but death and taxes. And in New Jersey, death and taxes go together. But it looks as if dying in New Jersey may be a little less “taxing” in the future. We live in one of the few states...

 

Wednesday, September 21, 2016

Retirement Success is Part Planning…And Part Luck The First Few Years of Retirement Can Make or Break a Plan I often explain to clients how important investment returns during the first few years of retirement can be. Big losses...