Financial Planning Blog Posts

(Disclaimer - I am not a CPA, I do not provide tax advice, consult with your tax professional. The following is for informational purposes only and is insufficient for the purpose of making any sort of financial decision.) As I understand it,...Read more

I'm flipping through our Horseshoe Bay paper and I come across a fluff piece written by the local Edward Jones broker titled, "COLA is sweet for Social Security recipients." later in the day, I'm on Linkedin and one of my financial advisor peers...Read more

As interest rates are going up, the question many investors are asking is, "How much will my bond holdings, or my bond-oriented mutual fund, depreciate?" As a general rule, for every 1% increase in interest rates, a bond will depreciate its duration...Read more

I haven't gone to Morningstar (MS) in quite some time as I rarely use mutual funds or ETFs, but the other day, I wanted to look up a fund and for whatever reason, I punched in SPY. SPY is the largest ETF tracking the S&P 500 Index. And to my...Read more

If Biden wins on Tuesday, it could have a big impact on the Estate Tax issue. Making headlines is his promise to roll back the lifetime gift exemption from its current $11.58M to $5M per individual. Granted, while this may impact the Treasury’s...Read more

In the most recent issue of our local newspaper, The Horseshoe Bay Beacon, an article was printed from Edward Jones titled, " How Can You Help Lower Your Longevity Risk? ". I thought I may weigh in on the topic since "making your nest egg last a...Read more

Many years ago, I had a meeting with a rep from Altegris Investments. ( Altegris Investments is one of the foremost authorities on Managed Futures strategies and other kinds of alternative investments.) In the meeting, he proposed a thought...Read more

I stopped to fill up my car at an HEB in San Antonio and, while I was paying $1.99 for gas, I saw the following and thought I must have just traveled back to 1998. A pay telephone. At a gas station. I hadn’t seen one of those in years. And it...Read more