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3 Things: Small Changes Add Up
Small Changes Add Up Small changes, beginning today, can materially affect our future wealth; they can also dramatically impact our future selves. This article by Nick Maggiulli includes a powerful visualization of the cumulative effect on future wealth of saving 5% to 15% of our income each year. (Example assumed $50,000 in annual income with a 5% annual return.) Consider also how creating a habit that may not cost us...
3 Things: The Republican Tax Plan
At SageBroadview we are very busy this holiday season and I expect our readers are too. So, for the rest of the year, barring an emergency that I would need to address (another credit agency security breach, for example), we will keep things short and sweet. I will share three articles each week with one or two sentences about each article. The articles may all be on the same topic,...
Dimensional Fund Advisors: The Uncommon Average
OCTOBER 2017 The Uncommon Average “I have found that the importance of having an investment philosophy—one that is robust and that you can stick with— cannot be overstated.” —David Booth The US stock market has delivered an average annual return of around 10% since 1926.[1] But short-term results may vary, and in any given period stock returns can be positive, negative, or flat. When setting expectations, it’s helpful to see the range of...
What Sheri’s Reading: Election Day Edition
November 8, 2017
in Financial Life Planning, Health Savings Account, Investing, SAGE Reads, Tax Management
If you lived in a place with an election yesterday I hope you exercised your right to vote. Here's why.
Tax Nerd Stuff:
On Monday, November 2nd, 2017 the House Republican leaders released the “Tax Cuts & Jobs Act” tax bill. We at SageBroadview are reviewing the proposal with all its many complexities, monitoring the debate this week and the inevitable subsequent revisions, and trying to determine how it may or may...
Dimensional Fund Advisors: Lessons for the Next Crisis
SEPTEMBER 2017 Lessons for the Next Crisis We recently experienced the 10-year anniversary of when, in early October 2007, the S&P 500 Index hit what was its highest point before losing more than half its value over the next year and a half during the global financial crisis. Over the coming weeks and months, as other anniversaries of major crisis-related events pass (for example, 10 years since the bank run on Northern Rock...
Layering Life Insurance
Sheri’s take: Recently, we shared two guest posts on this fall’s insurance open enrollment period, authored by Mark Maurer, CFP®, MBA, president and CEO of LLIS. Mark’s posts were well-received, so we were delighted when he agreed to share one more interesting idea with us on how to use “layering” to save costs on your life insurance while still ensuring adequate coverage for your loved ones. Good coverage at less...
Open Enrollment Time: Part 2 – Disability Insurance
Sheri’s take: As this year’s open enrollment period goes into full swing, you and your family can use the opportunity to not only review your healthcare coverage, but also to take a fresh look at life and disability insurance coverage available to you. Last week, we were pleased to share an insightful guest post on group and individual life insurance considerations, compliments of Mark Maurer, CFP®, MBA, president and CEO...
Open Enrollment Time: Part 1 – Life Insurance
Sheri’s take: There’s strength in numbers, especially in having a number of well-informed alliances to supplement our own financial know-how. Mark Maurer, CFP®, MBA, president and CEO of LLIS is one such alliance we’ve long maintained – because protecting the wealth you’ve already got against life’s many risks is essential to your total wealth interests. Thanks to Mark and his LLIS team for sharing this guest commentary on insurance coverage worth...