Saving for Retirement or a College Education: What’s More Important?

Posted by David Haughton, JD

April 29, 2020 at 11:00 AM

It’s a difficult choice: should parents focus on saving for retirement or a college education for their children? For many families, meeting one of these goals is a challenge, and juggling both can seem impossible. How, then, can you help your clients make the right decision or balance their priorities? The right choice, for many clients, will be clear. For the reasons I discuss below, most parents should make saving for retirement their priority. Let’s explore the financial planning issues at stake.

Read More

Topics: Retirement Income Planning, Education Planning

This Is Your Time

Posted by Kristine McManus

April 22, 2020 at 11:00 AM

How are you doing? Are you all right? It’s my sincere hope that you and your loved ones are well and safe at home.

Read More

When Should You Rebalance Client Portfolios?

Posted by Duane McDonald, ChFC, AIF, RICP

April 15, 2020 at 11:00 AM

It’s always a challenging question, but the current market volatility brings it particularly into focus. Normally, like many advisors, you may prefer calendar rebalancing—quarterly, semiannually, or annually. And, whatever the time frame you set, it’s likely that you’ve recently addressed the need for rebalancing during your end-of-year portfolio reviews. But now, given the significance of the economic downturn and widespread uncertainty regarding where the markets will go in coming months, what should you do?

Read More

Topics: Asset Management & Investing

What the CARES Act Means for Small Business Owners

Posted by Maureen Baxter, CLU, ChFC

April 8, 2020 at 11:00 AM

As small business owners, it’s likely that you and some of your clients have been adversely affected by the coronavirus crisis. Fortunately, help is on the way. On March 27, 2020, President Trump signed the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) into law. It includes several key provisions designed to help small businesses retain their employees and pay expenses during this difficult time.

Read More

Topics: Financial Planning

What Does Cyber Liability Insurance Cover?

Posted by Christopher Roach

April 1, 2020 at 11:00 AM

Stories about data breaches seem to pop up daily. From Macy’s department store to the Marriott hotel chain, “secure” systems across the country have been infiltrated by criminals. Cybersecurity incidents like these may have you thinking about information security best practices to put into place at your firm. Or, perhaps you’ve already taken steps to help protect your clients’ information, which may include cyber liability insurance.

Read More

Topics: Information Security

New Call-to-action
The Independent Market Observer, Brad McMillan

Follow Us