Fee Structure – Commission Based

By J.K. Roberts, CFP, CRPC | June 15, 2016 | Comments Off on Fee Structure – Commission Based

What are Commission Based Fees ? A commission is a fee that occurs whenever you purchase into an individual stock or bond.  Commissions are also charged by mutual fund families that use brokers that sell their investments. The sales charges are known as loads, can cost as much as…

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How Much Will A Financial Plan Cost Me?

By J.K. Roberts, CFP, CRPC | June 12, 2016 | Comments Off on How Much Will A Financial Plan Cost Me?

I have previously discussed the value of working with a financial advisor. The Vanguard Group values the return on investment at around 3%. The benefit of hiring a financial advisor is that you will be far more likely to achieve your goals. Much like doctors and lawyers, people often…

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The Importance of Rebalancing your Portfolio

By J.K. Roberts, CFP, CRPC | May 20, 2016 | Comments Off on The Importance of Rebalancing your Portfolio

The financial planning process is an in-depth look  into a client’s financial health. Before a financial plan can be crafted, there are many hours of discussion between an advisor and their client. A financial advisor will spend many hours sifting though financial documents in order to gain…

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Retirement Plans for Employees

By J.K. Roberts, CFP, CRPC | May 7, 2016 | Comments Off on Retirement Plans for Employees

Financial planning is about shifting resources (money) to different times during a client’s life. It can be about moving a past tax burden to the future. We can shift resources to a future generation. Most of the time, the goal is focus a client’s resources…

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How Farmers Caused the Great Recession

By J.K. Roberts, CFP, CRPC | April 23, 2016 | Comments Off on How Farmers Caused the Great Recession

Irrational Exuberance One of the subjects I find most interesting in finance is the fact that humans can’t seem to shake their irrational exuberance. The first time I experienced the phenomenon was when I worked in the Tech industry in the late 1990s.  Everyone thought…

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