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In Plan ROTH 401k Conversions

Options to Choose, Not Choose, or Defer to a Later Date Not all plans include the so-called “In plan conversions” detailed below, which allow existing pre-tax 401K dollars to be converted to...

What’s an Annuity and Should You Own One

Annuities often get bad press. Deservedly so in many cases. Not so in all cases. Before you can determine if one might make sense for you, it’s important to understand the very different annuity...

Different From the Other 300,000?

Storytelling for Financial Advisors By Mitch Anthony and Scott West My communication with clients and prospects needs improvement. People in all industries tend to fall back on acronyms, slang, and...

Portfolio Strategy

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Portfolio Strategy Review Q2 2019

Giving Candy to a Baby Since everyone knows the US now has the “greatest economy, the likes of which the world has never seen....” what can be done for an encore? I have some good ideas. First, let’s stimulate the economy with tax cuts. Consumer spending drives 70% of...

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Portfolio Strategy Review Q1 2019

The Rebound from December The business channels keep alarming us about a potential recession and the upside-down yield curve. The stock market ignored the pessimism rebounding from December’s intense selloff. Indeed, stock markets found comfort in the temporary magic...

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Portfolio Strategy Review 2018

They Don’t Always Go Up A market decline was overdue. 2018 was the first year since 2008 that over 90% of major asset classes declined. The December declines were the worst since 1931. The 20% decline from September’s market peak pushed us into bear market territory....

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Portfolio Strategy Review Q3 2018

Q3 Highlights: A judge who likes beer, rising interest rate fear, and an intensifying trade war. The US 10-year bond rate is a good proxy for the cost of money. If you need credit to buy a house, car, invest in a business, etc., the rate matters. For example, when...

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Portfolio Strategy Review Q2 2018

Crypto kept crashing and Trump keeps bashing; except for his pal Vlad. The new tax cuts have bolstered US economic growth in this 9th year of economic expansion. Median forecasts for Q2 economic growth are 3.7%, much higher than Q1’s 2.2%. The policy may be good...

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Portfolio Strategy Review Q1 2018

The Great Melt Up in stocks continued in January, and then it didn’t. After a January peak driven by economic optimism for US tax reform, a swift 10% decline ensued triggered by several factors: an early year rise in interest rates; the tweeter-in-chief’s tough tariff...

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401k & Retirement Planning

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Investment Discipline

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Bitcoin, Buffet, and Bubbles

What We Know Bitcoin – Selling off 20% today after a meteoric rise.  But what is it? Some new store of value? New mode of transacting? How is it priced? I don’t know it well enough to explain it. And I don’t care. It hasn’t been around long enough to tell if it’s a...

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Business Valuations

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Exit Planning

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The Purpose of Your Buy-Sell Agreement

A Buy-Sell agreement (BSA) serves several key purposes for business owners. A well-articulated BSA creates a ready market and liquidity to a selling owner, and should establish price, terms, and financing for the transfer. In short it spells out a process so that all...

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The Change We Make

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The Conflicted Sale

A referral from a trusted adviser like one’s CPA usually helps to mitigate risk in selecting an investment adviser. However, just because a CPA works with numbers and is tax savvy doesn’t mean they are fully aware of the many potential conflicts that an adviser's...

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When the Message is Clear

I was doing a 401k education and enrollment session at one of the health care clinics I service. One of the attendees was especially attentive and she was taking very detailed notes. After finishing the presentation, she approached me for some more information. “I...

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Big-Brand Boilerplate Solution

A common misconception is that a big brand name financial adviser gives you safety, more resources, and a better outcome for your investment dollars. The set of facts below looks at the reality of big company business models driven by their profit seeking motive at...

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Personal Planning

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Reading For Results

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