There’s no free lunch (except in retirement plans)

We’ve all heard the saying, “There ain’t no such thing as a free lunch.”  It’s used to remind us that there is a cost to everything even, or especially, if it is hidden from view.  The phrase actually comes from the once-common practice of saloon owners advertising a “free lunch” for patrons who would purchase… | Read More »

The changing world of rotary phones and retirement

Time was when a pension and Social Security would provide most people all they needed for a secure retirement.  But, back then, people were content with working the same job all their lives, watching just three TV stations, and using a rotary phone with no texting or video. People now have an infinite number of… | Read More »

In the clients’ best interest

We applaud the Department of Labor’s fiduciary rule, which demands all advisers act in their clients’ best interest. That this ruling, which takes effect today, has been so hotly debated speaks volumes about how far the industry still has to go to achieve real transparency. The ruling charges advisors with the task of giving advice… | Read More »

Happy high school graduation, sweet friend

 I can blink and remember so clearly the sweet, red-headed little boy who spread his Lego sets all over my living room floor, and scored Brewer games with the diligence of a professional statistician.  I look up (way up) at him now, but still see the little guy who wrote me a poem more than… | Read More »

A princely retirement

Though it may have been sarcastic, we think British parliament member Chi Onmurah’s controversial reaction to Prince Phillip’s retirement announcement effectively sums up our goal for every client we meet. “Congratulations to Prince Philip on retiring in financial security at the time of his choosing from a job he enjoys,” Onwurah, a member of the… | Read More »