President Trump today ordered that the Department of Labor’s Fiduciary Rule – scheduled to begin implementation on April 10th – be delayed pending a review by his administration. What impact is this expected to have on consumers? Some background first. When it came to providing investment advice prior to 2016, Registered Investment Advisors (aka RIAs,…
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One of the most difficult decisions that people face when leaving an employer is whether or not to rollover their company pension to an IRA. It’s an especially difficult choice when you’ve worked at the same company for many years. If you choose to keep the money in your pension, the money will be distributed…
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Now that 2016 is nearly behind us, investors’ thoughts naturally turn to 2017. What return should I expect from my investments next year? The great difficulty in answering that question is that we have limited facts to guide us. Sure, there is a plethora of historical data, as well as economists and media pundits who…
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As an investment professional I spend a huge part of my time helping clients to develop investment strategies and to identify specific investments that balance the need for growth with the need for asset preservation. And over time, the value of these efforts pays off by maximizing the likelihood of their being able to live…
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At a wedding in 2007 I met a retired treasurer from a prestigious east-coast university. He told me that all his investments were exclusively in insured municipal (muni) bonds. The returns he received were good, sufficient to cover all his expenses, and were practically guaranteed. But the best part of the muni investments, as he…
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When it comes to their children, many parents take the view that supporting their kids is first priority. That’s admirable from a family standpoint, but may not be optimal from a financial one. And nowhere does this have bigger consequences than with college expenses. A common question I encounter is whether or not it’s possible to…
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Cognizant Wealth Advisors, LLC ("Cognizant"), dba Perigon Wealth Management, LLC (“Perigon”) is a registered investment advisor.
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