Robert Isbitts of Sungarden Investment Research is sounding alarm bells regarding the following numerical coincidence he discovered: From September 1, 1995 until the peak of the tech-bubble on August 18, 2000, the S&P 500 return (excluding dividends) was 165%. From March 6, 2009 (the Great Recession bottom) through February 26, 2014 (around now), the return…
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The San Jose Mercury News reported today that Michael Brendan Ferguson of Foster City was arrested for fleecing over 100 investors out of millions via a Ponzi scheme involving ATM machines. One victim told the newspaper that she had lost her entire life savings (over $750,000) in the scam. While Ponzi schemes are nothing new…
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If you have a child, chances are someone in your family has set up a 529 college savings plan for him or her. Most of the thinking involved in setting up a 529 plan revolves around which state’s plan to utilize. Less thought is generally given as to who should own the plan, and the…
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Cognizant Wealth Advisors occasionally publishes guest blogs on our site. Today’s guest blog was written by Allen Hamm, president of Superior LTC, a company that helps people plan for long-term care. He can be reached at 800-400-0577 or at info@superiorltc.com. Note that any opinions expressed in this article do not necessarily reflect the opinions or…
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According to Consumer Reports some 70% of retirees’ net wealth is locked up in their homes. Given that, you’d think that reverse mortgages would be a very popular solution for tapping into all that wealth. Yet prior to 2012, the cost, complexity, and even stigma of utilizing a reverse mortgage have made it the choice…
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Annuities have been getting some bad press in the financial planning community. Financial planners tend to denigrate them due to their cost – “They have way too many fees, many of them hidden” – or due to the fact that they are not hedged against inflation, effectively reducing their usefulness at exactly the time (later…
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