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Tag: NFs

Beautifully Designed 401k Plans: Rare as Hen’s Teeth

As a financial planner, I’ve seen many a 401k plan in my day, and I’m here to tell you that the vast majority of them are not pretty, while some are even downright ugly. Admittedly, that’s a mighty broad brush full of awfully harsh words, and I’d surely prefer to […]

Language Fail in the Land of Financial Planners: The Smooshing Together of Financial Planning and Investment Advising

Hey kids! The FP50IBD for 2014 is out, and it’s a real humdinger! What’s that you say? You’re wondering what that nasty looking little squirt and a half of letters and numbers all strung together in that first paragraph means, are ya? Please allow me to introduce . . . […]

Using the California Statutory Will

No part of financial planning flummoxes and bedevils people as much as estate planning. It makes the powerful weak and the merely-average absolutely-incapable. It makes proactive folks sheepishly cower, waiting . . . waiting . . . . . . waiting. And it makes high-output folks stare vacantly into space […]

Life Insurance and the Elderly: Leveraged, Already-Bought Assets that Should Not be Wasted

I just caught the tail end of a Dave Ramsey segment (he of AM radio financial advice call-in show) during which Dave, hater of all things debt, recommended that a son tell his 80-something year old parents to surrender a life insurance policy that had a death benefit of $150k […]

Financial Advice for Normal Folks

Everyone should have access to financial advice, right? I think we can all agree on that — or at least we can agree that it would be a good thing if we all had some way to obtain financial advice. But the world in which we live does not offer […]