Intelligent Investing

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Common Mistakes by Pre-Retirees

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Common Mistakes by Pre-Retirees

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On today’s Intelligent Money Minute, we’ll interview Larry Swedroe on common mistakes made by pre-retirees. Larry discusses several mistakes he has noticed made by pre-retirees. To begin, he states the well-known phrase, “Those who fail to plan, plan to fail.” Though a pre-retiree may have a well-thought-out investment plan, a plan must be made for a successful life after retirement. This can create a complex problem because necessary “ingredients” are left out. Important issues to consider are estate planning, long-term care, and elder abuse. Most noted is the need for a good wealth advisor or quarterback. A good wealth advisor incorporates all of the issues and creates a comprehensive plan. In conclusion, the financial advisor should coordinate with all involved: the tax advisor, the estate planning attorney, the family members, and, most importantly, the client. 

We know you’ve worked hard over the years to accumulate wealth, and you probably find it comforting to know that after your death the assets you leave behind will continue to be a source of support for your family, friends, and the causes that are important to you. But to ensure that your legacy reaches your heirs as you intend, you must make the proper arrangements now. We’d love to grab a coffee to see how we may best serve you and your family.

Schedule a short discovery call or meeting

We’ll be interviewing Larry on several podcasts regarding markets, passive investing, and diversification, so be sure to subscribe to our Intelligent Money Minute podcasts.

Larry was among the first authors to publish a book that explained the science of investing in layman’s terms, “The Only Guide to a Winning Investment Strategy You’ll Ever Need.” He has since authored seven more books.

Larry Swedroe Bio

Since joining the Buckingham Strategic Wealth in 1996, Chief Research Officer Larry Swedroe has spent his time and energy educating investors on the benefits of evidence-based investing.

In his role as chief research officer and as a member of the firm’s Investment Policy Committee and Board of Directors, Larry regularly reviews the findings published in dozens of peer-reviewed financial journals, evaluates the outcomes and uses the result to inform the firm’s formal investment strategy recommendations.

Larry’s dedication to helping others has made him a sought-after national speaker. He has made appearances on national television shows airing on NBC, CNBC, CNN and Bloomberg Personal Finance. Larry is a prolific writer, contributing regularly to multiple outlets, including Advisor Perspectives and ETF.com.

Before joining Buckingham, Larry was vice chairman of Prudential Home Mortgage and senior vice president at Citicorp.

Larry holds an MBA in finance and investment from NYU and a bachelor’s degree in finance from Baruch College.

What the SECURE Act Means to Me- March 6, 2020

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Topic

The Setting Every Community Up for Retirement Enhancement Act of 2019, better known as the SECURE Act, which originally passed the House in July, was approved by the Senate on Dec.19, 2019, as part of an end-of-year appropriations act and accompanying tax measure, and signed into law on Dec. 20 by President Donald Trump. The far-reaching bill includes significant provisions aimed at increasing access to tax-advantaged accounts. Join us as Hans Blake, CFA, CPA will discuss how the SECURE Act impacts retirees, beneficiaries, parents, and employees, and where there may be opportunities. Be sure to RSVP below to reserve your spot.

Hans Blake

Hans Blake, CFA, CPA Bio

Hans has worked with high-net-worth individuals and institutions around the world. He is a Chartered Financial Analyst® (CFA) and Certified Public Accountant (CPA) who managed over $350M before founding Intelligent Investing. Hans has spent his entire career helping people minimize financial stress to maximize their lives.

The Chartered Financial Analyst® charter is considered by many to be the gold standard among financial professionals. Less than 20% of those who start the process ever become CFA® charterholders. Hans writes financial articles and gives public Intelligent Talks. He has been interviewed by The Greenville News, The Greenville Business Journal, NPR, and has appeared on WYFF News 4 to talk about the markets and portfolio management. 

First Friday Networking at Noon (RSVP)

If you'd like to join our next First Friday Networking at Noon event, please RSVP below. We look forward to networking with you soon.

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February 7, 2020- FFN@N (2020 Market Outlook)

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Topic

2019 markets were generally good for most investors. The upcoming presidential election, the new trade deal with China, and Brexit may increase volatility in 2020.  On February 7th at our First Friday Networking at Noon event, we reviewed 2019 markets and providing a 2020 market outlook. Hans Blake, CFA, CPA provided some key insights and outlooks regarding the macroeconomic environment around the world and where there may be opportunities. 

Hans Blake

Hans Blake, CFA, CPA Bio

Hans has worked with high-net-worth individuals and institutions around the world. He is a Chartered Financial Analyst® (CFA) and Certified Public Accountant (CPA) who managed over $350M before founding Intelligent Investing. Hans has spent his entire career helping people minimize financial stress to maximize their lives.

The Chartered Financial Analyst® charter is considered by many to be the gold standard among financial professionals. Less than 20% of those who start the process ever become CFA® charterholders. Hans writes financial articles and gives public Intelligent Talks. He has been interviewed by The Greenville News, The Greenville Business Journal, NPR, and has appeared on WYFF News 4 to talk about the markets and portfolio management. 

Practical Tips for Pre-Retirees

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Rick Ferri Practical Tips for Pre-Retirees

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On today’s Intelligent Money Minute, we’ll interview Rick Ferri on practical tips for pre-retirees. During this episode, Rick provides helpful insight for those who want to set themselves up for retirement. He explains the value of automation because it removes typical investment hinderances.  At Intelligent Investing, we can set up automatic contributions and rebalancing alerts. Above all, we believe that having a disciplined process is one of the best ways to grow one’s wealth. Read more about our wealth management philosophy here.

Check out our previous podcasts with Rick on Three Military Discipline Investing Values and The Impact of Investment Expenses. We’ll be interviewing Rick on several podcasts regarding index investing, behavioral finance, and practical tips for retirees, so be sure to subscribe to our Intelligent Money Minute podcasts.

Rick Ferri is a fellow CFA Charterholder, Marine veteran, author, and owner of Ferri Investment Solutions. He continues to write books and articles, provide educational webinars, and teach financial lectures.

Rick Ferri Bio

Rick Ferri earned a B.S. in Business Administration and an M.S. in Finance. He also holds a Chartered Financial Analyst (CFA) charter through the CFA Institute. After college, Rick served as a U.S. Marine Corps officer and fighter pilot for 20 years of active duty and reserve service.

Rick’s investment career spans three decades and offers a history of empowering people to achieve their goals. He landed in the brokerage industry in 1989 where he learned the wrong way to invest. As a result of 10 frustrating years, Rick founded one of the country’s first low-fee investment advisory firms. Rick’s firm grew to a sizable business over the next two decades due to the explosion of interest in low-fee investing. This growth provided good-paying jobs to dozens of people and allowed Rick to take on business partners with whom he generously shared his equity.   

Ferri Investment Solutions is Rick’s new firm. This modern concept provides even greater value to investors by “unbundling” adviser services whereby clients pay only for the time it takes to assist them. In addition, Rick’s industry consulting firm helps other advisers build their investment practices, and he has launched Core-4 Portfolios to provide simple model portfolios for use by a wide variety of investors. 

The Impact of Investment Expenses

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Rick Ferri The Impact of Investment Expenses

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On today’s Intelligent Money Minute, we’ll interview Rick Ferri on the impact of investment expenses on a portfolio. During this episode, Rick provides insight on fees and how they can affect performance. Also, he explains why an active manager’s fee, while being the most affordable, may not be the best. At Intelligent Investing, we understand that minimizing your fees helps lower your hurdle rate, allowing returns to hopefully compound at a faster rate. Learn more about what makes us different, here.

Check out our previous podcasts with Rick on Dangers on Backtesting & Performance Managers and The Power of Passive Investing. We’ll be interviewing Rick on several podcasts regarding index investing, behavioral finance, and practical tips for retirees, so be sure to subscribe to our Intelligent Money Minute podcasts.

Rick Ferri is a fellow CFA Charterholder, Marine veteran, author, and owner of Ferri Investment Solutions. He continues to write books and articles, provide educational webinars, and teach financial lectures.

Rick Ferri Bio

Rick Ferri earned a B.S. in Business Administration and an M.S. in Finance. He also holds a Chartered Financial Analyst (CFA) charter through the CFA Institute. After college, Rick served as a U.S. Marine Corps officer and fighter pilot for 20 years of active duty and reserve service.

Rick’s investment career spans three decades and offers a history of empowering people to achieve their goals. He landed in the brokerage industry in 1989 where he learned the wrong way to invest. As a result of 10 frustrating years, Rick founded one of the country’s first low-fee investment advisory firms. Rick’s firm grew to a sizable business over the next two decades due to the explosion of interest in low-fee investing. This growth provided good-paying jobs to dozens of people and allowed Rick to take on business partners with whom he generously shared his equity. Rick left the firm a few years ago and is no longer an owner.  

Ferri Investment Solutions is Rick’s new firm. This modern concept provides even greater value to investors by “unbundling” adviser services whereby clients pay only for the time it takes to assist them. In addition, Rick’s industry consulting firm helps other advisers build their investment practices, and he has launched Core-4 Portfolios to provide simple model portfolios for use by a wide variety of investors. 

Dangers of Backtesting Performance & Managers

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Rick Ferri Survivorship Bias

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On today’s Intelligent Money Minute, we’ll interview Rick Ferri on surviviorship bias and the dangers of backtesting performance and managers. During this episode, Rick defines survivorship bias and how it can skew one’s investing strategy. He explains how dataset information can be inaccurate due to the exclusion of closed funds. In conclusion, Rick highlights the difficulty in outperforming the market.

At Intelligent Investing, you are the center of our wealth management philosophy. For that reason, we want to get to know you, your family relationships, your dreams, and goals, and not just on a surface-level conversation. Read more about our wealth management philosophy.

Check out our previous podcasts with Rick on The Power of Passive Investing and Remembering the Legacy of Jack Bogle. We’ll be interviewing Rick on several podcasts regarding index investing, behavioral finance, and practical tips for retirees, so be sure to subscribe to our Intelligent Money Minute podcasts.

Rick Ferri is a fellow CFA Charterholder, Marine veteran, author, and owner of Ferri Investment Solutions. He continues to write books and articles, provide educational webinars, and teach financial lectures.

Rick Ferri Bio

Rick Ferri earned a B.S. in Business Administration and an M.S. in Finance. He also holds a Chartered Financial Analyst (CFA) charter through the CFA Institute. After college, Rick served as a U.S. Marine Corps officer and fighter pilot for 20 years of active duty and reserve service.

Rick’s investment career spans three decades and offers a history of empowering people to achieve their goals. He landed in the brokerage industry in 1989 where he learned the wrong way to invest. As a result of 10 frustrating years, Rick founded one of the country’s first low-fee investment advisory firms. Rick’s firm grew to a sizable business over the next two decades due to the explosion of interest in low-fee investing. This growth provided good-paying jobs to dozens of people and allowed Rick to take on business partners with whom he generously shared his equity. Rick left the firm a few years ago and is no longer an owner.  

Ferri Investment Solutions is Rick’s new firm. This modern concept provides even greater value to investors by “unbundling” adviser services whereby clients pay only for the time it takes to assist them. In addition, Rick’s industry consulting firm helps other advisers build their investment practices, and he has launched Core-4 Portfolios to provide simple model portfolios for use by a wide variety of investors. 

You’re Not Alone When Placing a Parent in a Nursing Home

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Bev Flaxington You're Not Alone When Placing a Parent in a Nursing Home

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On today’s Intelligent Money Minute, we’ll interview Beverly Flaxington on realizing that you are not alone when placing a parent in a nursing home. Making the decision on whether or not to place a parent or spouse in a nursing home can be complicated and burdensome. The life adjustment that will ensue can take a significant toll on the family, so you need to be prepared. During this episode, Bev stresses the importance of implementing a network of friends and family to provide emotional and physical support. Our previous podcasts with Bev highlighted Should You Put Your Parents In Assisted Living? and How to Handle Long Term Care Regret.

The Hardest Decision a Child Will Make is a blog that talks about this tough subject. We’ll be interviewing Beverly on several podcasts regarding behavioral finance, and the emotional journeys one can embark on during retirement, so be sure to subscribe to our Intelligent Money Minute podcasts.

Beverly Flaxington, American businesswoman and founder of The Collaborative, holds the trademarked moniker, Human Behavior Coach®. She received this title for her years in professional consulting and the human behavior development industry. Also, Flaxington has authored seven books on personal and professional development.

Beverly Flaxington Bio

In addition to being a coach on changing human behavior, she is a three-time bestselling and Gold-award winning author, an international speaker, behavioral expert, and business development expert.

Bev has created a number of proprietary approaches to changing human behavior and helping companies reach excellence. In addition, she blogs for Psychology Today and answers human-related questions in Advisor Perspectives Magazine.

In 1995, Bev co-founded The Collaborative, a sales and marketing consultancy. The firm provides strategic and tactical support to help financial services and wealth management firms reach higher levels of effectiveness. The Collaborative specializes in delivering effective coaching, training, and proprietary consulting services. 

 

September 6, 2019- FFN@N (Social Security Planning)

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FFN@N

 

The Social Security Administration (SSA) indicates that Social Security benefits represent over one-third of income for the elderly–it is important to know when it is optimal to begin payments. Unfortunately, you cannot rely on the SSA to provide the best strategy for you because they don’t know your entire financial situation. Do you know the important benefit filing ages? When should I file? What are the spousal and survivor benefits?  What is the future of social security? Will Social Security even be there when I retire?

On September 6th our First Friday Networking at Noon event featured Hans Blake, CFA, CPA, founder of Intelligent Investing and Tom Theodore, CFP®, who talked about Social Security and some strategies you may want to consider. 

Why was Social Security established?

Social Security was established to provide retirement, survivor and disability insurance to qualified individuals. Benefits are calculated based on the individual’s year of birth, benefits start date, and lifetime earnings. For the average worker, you and your employer both pay into the system by having a certain amount of your paycheck withheld in the form of “FICA,” or Social Security and Medicare taxes.

Am I eligible for Social Security?

Most people need to have 10 full working years–or 40 quarters–of paying into Social Security to be eligible for retirement benefits. To determine your benefit amount, the SSA will calculate your highest 35 years of earnings, with some adjustments.

Social Security Basics

See the PDF below for more information.

[gview file=”https://investedwithyou.com/wp-content/uploads/2019/07/Social-Security-Retirement-Benefit-Basics.pdf”]

Hans Blake, CFA, CPA Bio

Hans is a Chartered Financial Analyst® (CFA) who managed over $350M before founding Intelligent Investing. He has an insatiable desire to learn, and has a unique blend of creativity and attention to detail.

Hans graduated from Bob Jones University in public accounting, before earning a Masters of Accountancy degree from the University of South Carolina Darla Moore School of business. Soon after, he became a licensed CPA and joined a large public accounting firm in Charlotte. Later, he and his wife lived in London while he worked for Deloitte. After their world travels, they returned to his hometown roots of Greenville.

Hans is a father of four and has a passion for orphans and the needy. He is the chairman of the board for Piedmont Women’s Center, a local crisis pregnancy non-profit organization. He and his wife also support an orphanage in Zambia and assist the children’s ministry at Palmetto Baptist Church, where they attend.

 

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