5 Lessons Learned from the 10 Year US Bull Market

By Eve Kaplan, CFP® We’re celebrating 10 years of a remarkable bull market in US stocks. Here are 5 lessons reinforced during this time: Lesson 1: Stay the Course When Things Get Rough The 2008-09 crash seemed to be The End of the World because the entire banking system (with knock-on effects worldwide) was in […]

Does It Pay Off To Invest In A Financial Plan?

By Eve Kaplan, CFP® Professional Does it pay off to have a financial plan in place? Thanks to a number of new studies, it’s possible to answer this question clearly and unambiguously: Yes.  One such study by Morningstar* tracked households over 15 years and ranked their financial soundness and the quality of their financial decisions […]

Women – Especially “Suddenly Single” Women – Are At Greater Risk of Outliving Their Money

By Eve Kaplan, Certified  Financial Planner™ Women run a higher risk of outliving their money in retirement than men. The risk is even greater for single women – especially women in the lowest pre-retirement wage earning quartile (meaning the lowest 25% of wage earners). In addition to low income-earning women, women who are “suddenly single” […]

The Powerful Positive Financial Impact Of Delaying Retirement

By Eve Kaplan, CFP® Practitioner New data show the powerful positive financial impact of delaying retirement by even just a few months. Postponing retirement even by a month – for some – can equal or exceed the positive impact of saving more each year for 10 years while working. This is great news especially for […]

Annuities Can Be Good, Bad or Ugly. Which Is Which? Part I

Annuities can be good, bad or downright ugly. How can you tell if your annuity is good, or if you should consider purchasing one? And what’s an annuity, anyway?.  In this two-part series, I’ll begin with a review of the “bad and ugly” annuities (most variable annuities). Next month I’ll review “good” annuities (primarily immediate […]

Womens’ Special Financial Planning Needs That Advisors Overlook

by Eve Kaplan, CFP(R) Professional Womens’ special financial planning needs that advisors may overlook in two ways: 1) advisors don’t always acknowledge the different planning needs women have and 2) advisors don’t always communicate well with female clients – especially if the client comes to a meeting with her husband. It’s very common for a […]

Getting Real About Retirement – Will You Have Enough Money to Remain Comfortable?

By Eve Kaplan, Certified Financial Planner™ Let’s get real about retirement. Will you have enough to remain comfortable in retirement for 30 years or more?  Studies show this is a recurring fear many Americans feel. As a Fee-Only financial advisor, my number one priority is to confront this fear and help my clients retain enough […]

Six Mistakes People Make When Hiring a Financial Advisor

by Eve Kaplan, Certified Financial Planner (TM) There are 6 common mistakes people make when engaging a financial advisor — and all of them are avoidable! Before we go through this list, let’s put the issue of paying for financial advice into context. Health and money are two areas of life where everyone benefits from […]

Five “No Brainer” Moves to Strengthen Your Finances

by Eve Kaplan, Certified Financial Planner (TM)   Here are 5 “no-brainer” moves you can make before year-end to strengthen your finances: Taxes: NJ AND NY RESIDENTS ALERT: If Congress pushes through tax reform that eliminates state and local tax exemptions, many NJ and NY residents (along with MA and CA residents) will be hit […]