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Financial planning is a process that is tackled by many individual investors quite successfully on their own. But some individuals prefer to have someone else perform the task. The question then arises: How do you find a financial planner? The selection of a financial planner is...

Investors commonly use stock ratios such as price to earnings, price to book and dividend yield to assess the financial health of a company. The reasons the ratios are so widely used are because they convey a great deal of information in a concise format and allow investors to...

Many investors today who had planned to retire early at 62 when they became eligible for Social Security benefits—albeit at a reduced rate compared with retiring at full retirement age—are discovering that those benefits, combined with their retirement savings, cannot support...

The question every investor wants to know is: How well am I doing? Although some people are satisfied with simply watching the dollars grow, most investors want that translated into a performance figure. Bragging rights aside, there is a good reason to determine your own portfolio’s...

Whether you are planning for a major purchase, financing an education or planning for retirement, an analysis structure that explicitly considers investment returns, cash flows and horizon is crucial to your eventual success. Expected inflation and variability of investment return...

Many people do not see an estate plan as necessary. Others recognize the need to plan, but have no idea whom to contact or how to begin. Estate planning encompasses much more than simply protecting one’s assets; it provides peace of mind that your assets will pass according...

Setting financial priorities is frequently very difficult for individuals. Yet, it is very important for most people, since few of us have the financial resources to totally finance all of our “wants.” Setting priorities allows us to consciously review our objectives and rank...

Knowing how to use money wisely is a critical skill that is best learned starting at a young age. Imparting this knowledge is an issue many parents wrestle with. Part of being an adult in our culture is knowing how to use money wisely. And, as with other fundamental issues, it...

Are your file cabinets overflowing? Everyone needs to keep certain personal financial files more or less permanently. But which files should you keep, and why do you need to keep them? How long should you keep them and in what format? This post serves as a brief guide to organizing...

How much of a liquid balance should investment portfolios contain? That question crops up frequently in financial planning as investors try to determine their overall portfolio. The first part of the question, of course, is: “What is liquidity?” Liquidity refers to the time...