People engaging in retirement and estate planning often ask us “How much life insurance should I have?” There is no simple answer to this question. But if I asked you “How much life insurance would you buy if it was free?” what would your answer be? For most people the answer is “As much as …
May
10
2012
Permanent link to this article: http://preservationfinancial.net/blog/how-much-life-insurance-is-enough/
May
10
2012
Beginning of a Secular Bull Market? I Doubt It.
The Price-to-Earnings (P/E) ratio is perhaps the most simple and widely used measurement of stock valuation, and can be applied to an index to measure overall market valuation. The element of the ratio comes from the price of the individual stock or the level of the index. The earnings portion can be computed in a …
Permanent link to this article: http://preservationfinancial.net/blog/beginning-of-a-secular-bull-market/
Apr
12
2012
The Need for Guaranteed, Sustainable, Inflation Adjusted Income
Wall Street Vs. Reality Street There has been a fundamental change taking place regarding income planning. You may have noticed that almost every television and radio commercial for the large financial firms speak to the importance of retirement income planning. With all the talk, many of these firms are simply repackaging their old accumulation models, …
Permanent link to this article: http://preservationfinancial.net/blog/wall-street-vs-reality-street-income/
Apr
12
2012
Wealth Advisors – What Makes Us Different
Recently, I was introduced to someone at a get-together and at one point during our conversation, he asked me what I did for a living. I responded with “I help individuals and families in the area manage their financial affairs.” Having answered this question many times before, I knew what was coming next – “Oh, …
Permanent link to this article: http://preservationfinancial.net/blog/what-makes-wealth-advisors-different/
Mar
08
2012
How Income Riders Work
On a fairly regular basis we are asked “Which fixed indexed annuity income rider is the best?” And the answer is: it depends. The key to choosing an income rider is to first identify when income needs to start and how much income is needed/wanted, then select the rider that offers the most comprehensive and …
Permanent link to this article: http://preservationfinancial.net/blog/how-income-riders-work/
Mar
08
2012
Maintaining Balance
As nearly every major US stock index tests its 2011 highs, it is crucial that investors maintain discipline and balance. As we have discussed in great detail, there are plenty of reasons for stocks to head lower from here (the European crisis, the stagnant US economy, global tensions, etc.). However, there are also plenty of …
Permanent link to this article: http://preservationfinancial.net/blog/maintaining-balance-2/
Feb
09
2012
Are We in a Liquidity Trap?
“Now, with policy rates at or approaching zero yields and QE facing political limits in almost all developed economies, it is appropriate to question not only the effectiveness of historical conceptual models but entertain the possibility that they may, counter-intuitively, be hazardous to an economy’s health.” – Bill Gross, PIMCO 2012 Investment Outlook The Federal …
Permanent link to this article: http://preservationfinancial.net/blog/are-we-in-a-liquidity-trap/