Enhance Today | Enrich Tomorrow
Do you buy health insurance on your own? One important piece of the Affordable Care Act (“Obamacare”) is the insurance exchanges. If you get your health insurance through your employer or Medicare, it is likely little will change with your…
“Hidden fees are eating away at your retirement!” “Say no to hidden fees!” “It’s YOUR money, why are you losing it to fees?” Do these messages sound familiar? Hidden Fees Fear Based Selling They are common rhetoric in ad campaigns…
Last year we wrote about new 401k fee disclosure requirements and the evidence suggesting that most 401k participants did not know they were paying for any plan costs. The structure of the investment industry has kept many investors in the dark…
Did you know that you could be on the hook for your parent’s long-term care expenses? While these “filial responsibility” laws have rarely been enforced in the past, there’s a recent case where a court sided with an assisted living…
Heather Gudac has become the newest partner in Financial Symmetry, Inc., a locally-owned, fee-only financial planning and investment management firm. Gudac states, “I am proud to join the firm as a partner and look forward to contributing to our high-level…
On Friday, April 26th, we hosted our Third Annual Client Appreciation Night. Almost 150 of our clients and their families enjoyed a night of good food, conversation and baseball as the Durham Bulls took on the Toledo Mud Hens. It…
Warran Buffett once said, “the investor of today does not profit from yesterday’s growth.” This is never more evident than with individual investor performance in mutual funds. Morningstar, the mutual fund research company, annually calculates the difference between mutual fund…
For many people, evaluating their financial situation means just reviewing investment performance against the Dow Jones Industrial Average. Now, Morningstar has produced new research they call Gamma, which highlights the value of smart financial planning. This post will summarize the last of the five strategies, liability…
On January 1st, Congress put together a tax deal that allowed most of the Bush-era tax cuts to remain in place. This means that most taxpayers will see little change to their income taxes. However, Congress did allow the payroll…
While the Morningstar Gamma research found that a dynamic withdrawal strategy has the greatest impact on retirement income, the strategy above was a close second. Asset Location Asset Location refers to where asset types are held. For example, a general…
