Posts by Jeff Dixson

Unexpected Layoff – Blessing in Disguise?

People make plans for retirement- “I’m going to work until 65 and call it quits, enjoy my life, golf more, spend time with the grandkids, travel the country or the world!” However, if an unexpected layoff happens, life can be thrown up in the air. Whether you’re in your 40’s, 50’s or even 60’s, an…

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Do you have an investment policy statement?

That question isn’t considered by most investors, but it should be. An investment policy statement is a formal written policy that indicates how you want your money managed and why it’s being managed in that way. Typically it’s interchangeable with the term “financial plan”, however it differs in one significant way; a financial plan typically…

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Why Retirement Planning is Like Mapquest

When you go onto Google or Mapquest to get directions it typically asks you two things: 1) Starting location 2) Ending destination Often in the financial industry prospective clients sit down with an advisor who quickly begins proposing “roads to take” without fully nailing down and understanding their starting point and ending destination. These “roads…

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Don’t Go to the Grocery Store without a List

Picture this- Imagine you have never cooked a meal before and you are sent to the grocery store to buy ingredients for an elaborate meal you’re going to cook. Unfortunately you only have a vague idea of what you’re trying to cook. On all of the shelves there aren’t any prices, or if there are,…

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Most People Don’t Know All the Fees They’re Paying

Fees can erode your retirement nest egg over the years. The problem is most people don’t know how to identify what fees they’re paying or decide whether or not those fees are justified. Right up front, someone might be hit with a 6% sales load paid to the advisor, then on top of that, they…

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If You Wouldn’t Buy It, Why Do You Own It?

When I sit down with a prospective client, a key question I ask them is: if you own an investment right now, and you were looking at that investment as though you had to decide whether or not you would buy it today, would you have a compelling reason to? If you don’t have a…

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Do You Know the Answer to These Questions?

6 Questions Every Investor Should Know the Answers To When we meet with individuals every week in our office we ask them 6 simple questions that every investor should know the answers to. 1. Why do you have each investment you currently own? 2. How do they work? 3. Do you know what you’re invested…

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What are you really making?

One of the most significant numbers in determining your portfolio’s success is its “rate of return”. What we find in our practice is that most people don’t know it, or they’re calculating it incorrectly. Your rate of return usually indicates the return your investments have generated on an annual basis. Typically an investor who is…

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Dare to Dream About Your Retirement Lifestyle

As a financial planning firm we often speak about numbers. The world of retirement planning involves a lot of numbers, from interest rates, to return rates, to market performance to Social Security Benefit amounts. Certainly having the correct withdrawal rates, tax strategy and Social Security plan are important but so is your plan for your…

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