Clarity Coaching Tips

Here you will find many tidbits of coaching and financial information that often needs to be clarified for most American investors. Some of the information is very basic and in the form of a current market update. Some of the information is timely topics, based on current social political and economic climate. Some of these are strategies, ideas, and concepts that we have picked up through the years and implemented in our practice. Basically a soup to nuts area of information on all things financial.

 

Check out our Clarity Coaching Video Clips and the “It’s Your Money” podcasts for more tidbits that might pique your interest.

Wealth Management: It’s a Wonderful Life

This classic gem directed by Frank Capra is one of my favorite movies and a sure watch every holiday season. It’s a story of an angel working to get his wings, and his task is to help a compassionate but despairingly frustrated busi- nessman by showing what life would have been like if he had never […]

Interest Rates & the Price of Tea in China

Altoona, PA – The price of tea in China has been rising dramatically due to supply and demand. Some of the higher end teas are actually being hoarded after the price jumped 50% last year. Pu’er tea, a brew thought to have medicinal qualities, is grown in a remote southwestern province of Yunnan. At the […]

LTC Plan Design: Half a Loaf is Better Than None

State College, PA – Many years ago one of my mentors was famous for saying, “Half a loaf is better than none”. Maybe you’ve heard this old saying. It implies that it’s better to get half of something, than lose out accepting only the whole. I think of this phrase often when designing long-term care […]

Long-Term Care Planning: Logic or Emotional Paradigm?

Lewisburg, PA – When we get right down to the nitty-gritty of planning for this particular issue we consistently find it is the toughest question to answer, should one have a plan for LTC? What makes this issue ultimately so difficult to decide is that we do not know until the final analysis if care […]

What’s Up Kemosabe?

Lewisburg, PA – Tonto: “The market is up and I am not. What’s the story Kemosabe?” Kemosabe: “What do you mean the market is up?” Tonto: “According to the telegraph office the market is hitting new highs on a regular basis.” Kemosabe: “The total market is not reaching new heights, only one sector, the S&P […]

Buckle Up, It’s Getting Turbulent!

State College, PA – I learned aviation slang for turbulence is called dirty air. What has been going on in the market is like dirty air? Recently we have seen the wildest ride on the Dow Jones industrial average in 17 years. Dow Jones is a representation of how large companies are doing and we […]

Evolution of Passive Index Investing!

Lewisburg, PA – Recently I was reading an article from John Bogle founder of Vanguard. John is well known in financial circles as one of the champions of passive investing using index funds. John came from a strong academic background; as such passive index investing makes total sense. He was one of many noted academic […]

What is the “New View” of Retirement?

State College, PA – Many of us today get all caught up in everyday living that we don’t put much priority on looking ahead into our “Golden Years” of retirement. We can no longer plan like our parents and grandparents. – It’s important to determine the amount of money that you will need in retirement […]

Investment Cost: Advisor Beware or Investor Beware

State College, PA – “How are you paid” is a common refrain heard by those working in the financial industry. One would think this is a very black and white, yes or no type of question. Unfortunately within the financial services industry, it can be quite a complex answer when you consider the various components […]

In Life and Retirement Planning “It’s Never a Mystery”

Lewisburg, PA – The common phrase “it’s never a mystery”, should end with, “except for the people involved”. Is it a mystery why the athlete medals in the Olympics? Not when you consider the coaching, training, years of perfecting technique, and all the pieces that it takes to win. In contrast, most people see a […]

Punxsutawney Phil Beats the Pros

Punxsutawney Phil is arguably the most well-known prognosticator in America. Groundhog Day was established in 1887, held annually on February 2nd.  A large crowd will wait with baited breath to see what this famous oracle is going to predict. At Gobblers Knob, at 7:20 am, the crowd will be awaiting the fame rodent’s prime indicator, a […]

What’s Your Sleep Factor for the CRASH to Come?

What is a market crash? It’s a sudden, dramatic decline in the market. As an investor coach and wealth strategist, I find myself always preparing my clients for the crash to come. However, this does not come from a lack of faith in the stock market; in fact, I believe it’s the greatest wealth producing entity known […]

Shutdown, Smut-down, Debt Up

What does the shutdown really mean to the vast majority of Americans? Apparently not much, other than the entertainment factor of watching the political dramas (shame they do not have political Oscars).  It seems that the only folks affected are those who have been furloughed. I have had a number of conversations with clients, friends, […]

Money Market or Market Returns…Sh​ould You Know??

For those in your fifties or sixties, think back to your first job when you entered the work force.  I still remember how ecstatic I was when I landed that summer job at an amusement park that paid me $1.50 per hour.  Back in 1980, the minimum wage was pegged at $3.10 per hour.  So, […]

The Boys of Summer: 2013 Market Returns

The Dow Jones Industrial Average (DJIA) index is up 13.8% half-way through the year.  The Standard & Poor 500 (S&P 500) index is up almost as much, at 12.6%, but the markets didn’t rise over the last six months in a straight line.   They rarely do. The markets were all over the place.  Sometimes up, sometimes down, especially over the last […]