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” […]

Four Simple Steps To Improve Your Financial Health

By Eve Kaplan, CFF® Professional Here are four simple steps to improve your financial health. If you’re working with a financial advisor, you should be in good hands because these potential pitfalls should have been addressed from the get-go. A Certified Financial Planner ™ specializing in comprehensive planning is the best professional to help you. If […]

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 […]

Better Annuities Are Fixed Annuities

by Eve Kaplan, Certified Financial Planner ™ In my prior article I explained the kinds of annuities that are “bad” or “ugly” for investors: virtually all variable annuities, including indexed annuities (that are misleadingly categorized at a type of fixed annuity). My objections have to do primarily with cost and the fact that they often are sold […]

Social Security: Don’t Make These Three Mistakes

By Eve Kaplan, Certified Financial Planner ™ Social Security has been around for decades and it’s not about to disappear. Why? Social Security is not an “entitlement” (gift) – it’s a forced savings scheme that Americans pay into in their working years in order to secure a pension for life. Ideally, Social Security shouldn’t be […]

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 […]