TOOLS OF THE RETIREMENT TRADE – PENSIONS

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Scott, never you mind all that retirement pish posh. I have a pension. That is fantastic! It is far better to have a pension than not, but … What but?! There is no but! Few families are aware of, much less plan for, the catastrophic failure of a pension. Is such a thing possible? Oh yes. It happens so often … Read More

TOOLS OF THE RETIREMENT TRADE – DEBT

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Scott, I want all my debt paid off in retirement! Who has debt in retirement? In my experience, the answer to that last questions is, “Most people.” In a perfect world, none of us would have debt. We would have millions of dollars saved. There also wouldn’t be war or homelessness or child abuse or mosquitos or a neighbor with … Read More

Tools of the Retirement Trade

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My dad is an architect. Ever since I was a kid, I can remember moments where my dad would remind me, “It’s a poor craftsman that blames his tools son.” As a kid, I really had no idea what that meant, except that I should stop complaining. Now, as an adult, I think its one of the greatest lessons I … Read More

Should I Sell?!

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The last week of the market has been … disappointing … to put it mildly. With no great surprise, the families I serve are nervous. It’s a reasonable response. Well, that isn’t technically correct, it’s an expected response. When my car breaks down, I get nervous. I’m sure my mechanic doesn’t get nervous when his car breaks down. He probably … Read More

Words Have Meaning

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I live in Orange County. I love it here. We have our own way of speaking on the West Coast. Everyone from out of state instantly knows where I’m from when I say, “Take THE 101 North.” Southern Californians love to put the in front of all our freeways. What is “Southern California” to the world is “SoCal” here. We … Read More

Just Tell Me What I Should Buy!

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About a month ago I met a very kind couple. The husband and wife were both months away from retirement and decided it was time to start looking into how they would manage their investments in retirement. Their money was with…well…let’s call them Fairmerican Funds. The investments represented a very common asset allocation that I’ve seen from Fairmerican Funds. The … Read More

Bad Words

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I have four kids. If you didn’t know, that is a lot. Well, it feels like a lot. As such, we have rules to keep the horde in check. The rules are becoming ever more important as the horde realizes they outnumber us. Why am I talking about rules? Rules have a duel benefit. At a fundamental level rules create … Read More

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