Ideal Asset Allocation in Retirement: 60/40 vs. 70/30

The foremost step for effective financial planning is asset allocation, where the right combination of asset classes is chosen after careful evaluation of  several factors...

6 Passive Income Investments To Consider In a Low-Interest Rate Environment

There are many ways to make money. Starting a side hustle, turning a hobby into a profession, selling collectibles or valuables, etc., can all help...

5 Signs To Know If Your 401(k) Allocation Is Too Aggressive

One of the most convenient and popular ways to save money for retirement is to have a 401(k) plan. This basic retirement plan allows you...

Six Expenses That Are Making Retirement More Expensive

Many people assume that expenses usually reduce in retirement. However, although expenses like fuel, dining, work wardrobe, and more fall as you approach retirement, you...

What Should Your Average Net Worth be at Retirement?

Retirement is a dream for many that everyone hopes to experience without worrying about their finances. However, to ensure a comfortable retirement lifestyle, you need...

How to Check a Financial Advisor’s Credentials

A financial advisor acts like a guardian of your hard-earned money who offers suggestions and advice based on his area of financial expertise. Since you...

Investing Explained: A Guide on How to Begin Investing

The act of allocating resources, generally money, in the expectation of earning an income or profit is known as investing. If you are handing over...

What Happens When My Employer Suspends Its 401(k) Program?

Retirement planning is a long process that requires due diligence, time, and effort to make it a success. It can be confusing at times, as...

High-Net-Worth Individuals Asset Allocation Breakdown

Today, the term millionaire has been replaced by a new term – high-net-worth individuals (HWNIs). An HNWI is a person who has a minimum of...

Essential Questions You Should Ask Your Wealth Manager

Each individual has unique financial requirements and different attitudes toward money. This warrants a different approach to wealth management, which is also why different financial...

Saving vs. Investing: Which is Better for Wealth Creation?

Saving and investing are two sides of the same coin. If you wish to safeguard your financial future, it is recommended that you save and...

2021-2022 Capital Gains Tax Rates

Taxes are a charge that the government levies on the money you make. When you earn a salary from a job, an income from a...

Inherited IRA Distribution Rules: Key Things for Beneficiaries to Know

An individual retirement account or IRA is a tax-advantaged retirement account that individuals can open to save and invest in the long term. If the...

How to Help Your Parents Hire a Financial Advisor

Planning for retirement is one of the most important financial decisions that you can make. Since there is no direct source of regular income, you...

What is Fiduciary Duty and How Does It Impact Financial Advisors?

Fiduciary duty refers to the responsibility of professionals such as financial advisors to prioritize the best interest of their clients in their work. Laws in...

8 Retirement Planning Tips for Physicians

Being a physician is one of the most lucrative and rewarding jobs across the world. A physician’s take-home pay depends on a number of factors...

How to Pay 0% Capital Gains Taxes With A Six-Figure Income

The long-term capital gains tax has been around since 2008. However, a lot of investors do not know about the 0% capital gains tax rate...

Legacy Planning vs Estate Planning: What is the Difference?

Most high-net-worth-individuals work towards preserving the wealth of their ancestors and growing their corpus through various investment strategies. They do so to meet their own...

New 401(k) Contribution Limits for 2022

A reference to retirement planning is incomplete without mentioning the 401(k) retirement account. One of the earliest retirement plans instituted by the Internal Revenue Service...

Growth Investing vs Value Investing: Which is Better?

Growth and value investing are two distinct approaches to investing in the market. Each of these methods of investing follows different investment strategies, have a...

How Small-Cap Stocks Might Affect Your Portfolio in 2022

Companies can be classified based on revenue, size, and even market cap. Market capitalization is calculated by multiplying the number of shares in the market...

7 No-Fee ETFs to Maximize Your Investment Returns

Asset management companies (AMCs) and fund houses invest your money on your behalf when you opt for exchange-traded funds (ETFs) or mutual funds. However, you...

8 Low Risk, High Return Investments for Retirees

People spend a lot of time and effort planning for their retirement. They start saving early and find the best retirement plans to ensure that...

How Effective is The ‘100 Minus Age’ Rule for Asset Allocation?

Financial planning revolves around figuring out the appropriate mix for asset allocation. Various factors affect the amount of weightage given to different asset classes like...

What Clients Want Most from a Financial Advisor

Each client has a different expectation from their financial advisor based on their financial goals and investment horizon. Many clients lack clarity in terms of...

Portfolio Manager Vs. Investment Advisor: Which Advisor Do You Need?

While portfolio managers and investment advisors might seem similar, they perform different roles. Portfolio managers help high-net-worth-individuals preserve their capital while adding to their corpus...

When Is The Right Time to Hire A Retirement Advisor?

When it comes to financial planning, setting up a retirement plan is often overlooked. The millennial investors yearn to spend and are easily overtaken by...

Diversifying Your Portfolio Through Alternative Investments

Alternative investments can largely be defined as investments that do not follow the traditional structure and asset class, such as stocks, bonds, and cash. Stocks,...

What Is The Difference Between Portfolio Management And Wealth Management?

The terms portfolio management and wealth management are often used interchangeably by investors, but the two are different with respect to their goals and services....

Who is a Certified Financial Fiduciary (CFF) & What Can They Do?

There are a range of professionals in the world of finance. From advisors to tax professionals, from brokers to planners- some specialists can take care...

Is a Retirement Bucket Strategy Good for Retirement?

These days, no longer can one rely on just their hard-earned savings to achieve a safe and comfortable retirement. They must also plan and follow...

Is Social Security Taxable?

The majority of American citizens pay taxes on social security benefits. Americans often pay income tax on approximately half to 85% of their social security...

A Guide to Retiring with $500k

Most people dream of a comfortable retirement. One might want to travel or fund their education or simply relax without having to constantly worry about...

10 Investment Options For High Net-Worth-Individuals

High-net-worth-individuals (HNWIs) have access to exclusive investment options that regular investors may not have. The large size of the investible asset HNWIs have opened the...

10 Key Concerns to Keep in Mind While Hiring a Retirement Advisor

When we consider streamlining our finances and saving money, we tend to often think about only the short term. We generally save up for short-term...

Can You Retire On 1 Million Dollars?

A $1 million nest fund was considered the gold standard of retirement planning success for a long time. It was thought to be sufficient to...

How to Find The Best Financial Advisors for High-Net-Worth Clients

Financial advisors assist investors in managing finances and achieving their financial objectives. From investment management to budgeting advice to estate preparation, an advisor can help...

How to Build an Investment Portfolio

An investment portfolio is a collection of financial products carefully chosen from different asset classes in proportions that suit the investor’s risk profile. This might...

How to Plan Your Taxes if You’re a High-Net-Worth-Individual

The broad scope of tax legislation that has become law over the past several years has prompted many higher-income taxpayers to take a closer look...

5 Investment Strategies For High-Net-Worth-Individuals

High net worth individuals (HNWIs) are people with liquid assets in the range of $1 million and $5 million. What sets individuals with a high...

What Are Closet Index Funds And Why Should You Avoid Them?

While mutual fund investments can be exciting, the variety of products available in the mutual fund market can be overwhelming at times. As far as...

What is a Variable Annuity and What Should You Know About it?

A variable annuity offers high growth potential for people with a high-risk appetite and want a steady income as soon as they begin their life...

Ten Ways Parents Can Financially Plan for Their Child’s College Education

Life changes radically upon the arrival of a baby. While a baby does stand true to its moniker of ‘a bundle of joy’, there is...

What is the Difference Between Portfolio Management and Financial Planning?

Managing your finances is crucial for everyone, be it an individual or a firm, as it paves the way for financial freedom through the attainment...

Portfolio Management for High-Net-Worth Individuals

Portfolio management is the careful selection, prioritization, and control of every aspect of personal finance that goes towards building an investment portfolio. Every investment comes...

What is a Certified Financial Planner (CFP)?

A CFP or Certified Financial Planner designation is bestowed upon individuals who have successfully cleared the CFP Board examination. These individuals have extensively studied financial...

What Inflation is and How You Can Protect Your Retirement Plan Against It

Inflation is a cause of concern for retirees as it can quickly erode one’s retirement savings, leaving you with an insufficient corpus to match your...

5 Key Tips to Get Your Personal Finance Organized

A fear of opening up about finances and a lack of financial literacy has made keeping a check on one’s financial health and habits an...

Who are Wealth Managers and What Makes them Different?

While wealth managers are categorized under the umbrella term of financial advisors, the scope of a wealth manager’s role goes beyond giving investment advice. A...

How to Have Fun With Your Investment Portfolio

As our clients are well-aware, we take a long-term view with our investment philosophy, focusing on crafting diversified investment portfolio and believing in the power...

5-Step Financial Planning Checklist to Handle Uncertainty

If the coronavirus pandemic has taught us anything, it is that life is uncertain, and that we must account for times when it does not...

How to Protect Your Wealth From Inflation

While planning and accounting for your savings and investments, we often tend to overlook the effects of inflation on the final amount. Inflation is what...

How to Set Short, Medium, and Long-Term Financial Goals

We all aspire to become financially secure. Managing our finances and planning for the future is a crucial step towards this. It helps one decide...

Should you Make Investments Based on What You Hear in the News?

At some point, most of us have considered investing in the stock market hoping to earn a fortune. We’ve heard several success stories – how...

Should you Include Bitcoin in your Retirement Portfolio?

The spectacular rise of Bitcoin since its launch in 2009 is often equated in investing circles to a gold rush. Within a very short span,...

Important Aspects of Financial Planning in the New Digital Economy

The world is a lot different today than it was for the previous generations. The way your parents or grandparents prepared for their retirement and...

Should you Hire a Local Financial Advisor?

Choosing a financial advisor is not easy. The right financial advisor for your needs understands your financial goals and works as per your risk tolerance....

Are Wealth Managers Worth the Cost?

The market disruptions caused by stocks such as GameStop and the cryptocurrency Dogecoin at the beginning of 2021 were indicative of how tricky it is...

What is an Investment Policy Statement (IPS) and How Do You Write One?

Before we begin, let’s first find out what an Investment Policy Statement (IPS) is, shall we? An IPS (Investment Policy Statement) refers to a document...

5 Financial Planning Steps Women Can Take to Build Wealth

It’s 2021, and a lot has changed over the years for the better in the movement towards gender equality. Women increasingly feel empowered and ready...

20 Tips to Spend Less and Save Money

While the act of putting away some money every once in a while in order to save for the long run sounds simple, we find...

10 Financial Planning Tips for High-Net-Worth Individuals in 2021

The financial planning requirements of the rich are vastly different and a lot more complex compared to that of a regular investor. high-net-worth individuals (HNWIs)...

What is a Robo-Advisor and Should you use one?

 In the year 2020, more than 10 million brokerage accounts were opened by investors in America, despite the coronavirus pandemic. The economic shock induced by...

What are Required Minimum Distributions (RMDs), and Why do They Matter?

Earlier on, there were no retirement programs available for people to generate savings to meet expenses for when they retired and no longer earning via...

Financial Goals and Milestones to Hit Before you Turn 50

Reaching the Golden Jubilee Year is a special moment in one’s life. While celebrations are in order, it is also time to reflect on and...

How Do Financial Advisory Asset-Based Fees Work?

Financial advisors are specialists that offer advice and guidance on how to best manage your money. They help you formulate a financial plan to achieve...

10 Tax-Planning Questions to Ask your Financial Advisor in 2021

The year 2020 has been one of the most disruptive in the recent past with the coronavirus-led pandemic pushing the world economy to plunge. There...

10 Ways to Build Wealth

Generating wealth is an important milestone in everyone’s life. However, not everyone is able to achieve this goal following the same path. You could either...

Should I Roll my 401(k) into an IRA?

A 401(k) account is a professional advisory managed account and is the starting point for retirement planning. A 401(k) account is activated when you gain...

What is an IRA?

An IRA (Individual Retirement Account) is a tax-advantaged account set up by investors that allows them to save money for retirement. An IRA allows tax-free...

What is a 401(k) and how Does a 401(k) Work?

Named after the section of the US Internal Revenue Code under which this retirement planning account is defined, 401(k) accounts are company-sponsored, tax-advantaged, and defined...

5 Financial Adages that Held True During the Pandemic

Uncertainty, unprecedented times, and volatility are three words we continue to hear throughout this coronavirus pandemic.  We have also witnessed one of the biggest dichotomies...

Venture Capital: Investing for the Long Term

Over the past decade, there has been an interesting shift in the way venture backed companies are approaching their Initial Public Offering (IPO). Historically, once...

Why Should I Hire a Financial Planner?

Do you worry about your finances? You aren’t alone. According to a study by Capital One and The Decision Lab that was reviewed in CNBC,...

Do I need a Financial Planner or a Wealth Manager?

When it comes to investing, saving for a better future, or managing your wealth, deciding on whether you should seek the guidance of a financial...

How to Get the Best Financial Advice You Deserve From an Advisor

What is your financial advisor’s most valuable asset? It’s not just investments, taxes, financial plans and saving strategies.  It’s not their fancy, high-tech system or...

Should You Hold Or Sell Your Long-Term U.S. Government Bonds?

The Pandemic and the ensuing Fed actions to revive the market by easing liquidity has pushed the yield of the benchmark 10-year Treasury bonds to...

2020: Embracing the Silver Linings

As 2020 draws to a close, it’s likely that many of us are harboring a host of mixed emotions surrounding the events of the past...

Paladin’s Registry of Financial Advisors is a Free Service for Investors

The world’s first financial advisor directory was the Yellow Pages®. All you had to do was thumb through the pages until you found the listings...

How to Find the Best Financial Advisors

Your first step is to determine the criteria you will use to identify and select the best financial advisors or financial planners. They do not...

What is an Investment Performance Benchmark?

A Benchmark is a performance goal. Your advisor is paid to produce results that beat the performance of your benchmark. If your advisor does not...

Select an Independent Financial Advisor to Invest Your Assets

The word “independent” has a lot of positive connotations, but it can also be a deceptive sales pitch by financial advisors who sell retirement products...

Is a Stockbroker a Real Financial Advisor?

No, they are not. Then why is there so much confusion? It starts with stockbrokers telling investors they are financial advisors. They make this false...

What Does it Mean to be a 5 Star Rated Financial Advisor in the Paladin Registry?

Financial advisors could have track records, but 99% do not. Why should they produce track records if they don’t have to? Investors are willing to...

Is the Personal Financial Advisor a Dinosaur?

Venture capitalists are betting hundreds of millions of dollars on firms that deliver web-based investment services. They are betting these firms will change the way...

Are All Certified Financial Planners ™ (CFPs®) Created Equal?

Absolutely not! The designation means the Certified Financial Planners ™ completed some coursework and passed an examination. It does not mean the planner is an...

The Evolution of the Financial Fiduciary

There is a lot of discussion about who is a fiduciary and who should be a fiduciary. At the core of the discussion is protecting...

Choosing Between a Financial Advisor and a Robo Advisor

In the past few years, much has been written about the rise of robo advisors, websites offering automated investment-allocation advice and other portfolio management services....

How to Get Started When You are Ready to Invest

It’s great that you are ready to start your investment journey. However, with that decision comes the big question: Where do you invest your money...

Active Investing or Passive Investing – 5 key differences

Active investing sounds like a positive, proactive way to invest your assets. Passive investing sounds boring – your financial advisor is not doing much.  Here...

What is a Realistic Investment Performance Benchmark?

You make your financial advisor accountable for beating the stock market. You make the S&P 500 index fund your proxy for the performance of the...

Never Assume When Trying to Find a Financial Advisor

Assumptions can be extremely dangerous when trying to find a financial advisor. An advisor may look the part, sound the part and even feel like...

How to Monitor Investment Performance

If your money is going to fund your retirement, your investment performance will impact when you retire, how you live during retirement, and your financial...

Jack Waymire Helps Investors Protect Themselves

Jack Waymire spent 28 years in the financial services industry. For 21 of those years as the president of a Registered Investment Advisory firm that...

Reasons for Financial Planning: How an Advisor Can Help After You’ve Been Injured

When you initially think “financial planner,” you may think you have to be wealthy, you’re close to retirement or you want to play the stock...

The Track Record of a Financial Advisor: Is it Real? Is it Fake?

When investors select a financial advisor, one of their most frequent questions is, “What performance can I expect if I select you?” Very few financial...

What is FINRA and What is the Role of FINRA (Financial Industry Regulatory Authority)

If you are someone who scrutinizes their account statements or your financial documents, you might have come across the word ‘FINRA’ – probably in a...

Volatility, Emotions, and the Transition to Retirement

Retirement is arguably one of the largest life transitions you will ever experience, and the changes that accompany this major life achievement can make many,...

Top 5 Ways to Spend Leftover 529 Funds

The original purpose of a 529 plan is to pay for a college education, but what should you do if your child or grandchild graduates...

Should You Add Gold to Your Investment Portfolio?

Gold has been a valuable and highly coveted commodity for centuries. Unlike other common investment asset classes, you can touch gold, see gold, and keep...

Why are stocks recovering as the economy declines?

Optimism. It isn’t something many Americans have been able to hold onto during this COVID-19 financial crisis. From small business shutdowns, record-high unemployment levels, and...

3 Money Smart Ways to Reinvest Your COVID-19 College Tuition Refund

Java-Design-PatternsHas your college canceled its in-person and online classes due to the COVID-19 pandemic? Unfortunately, this has become the norm this spring. Social isolation has...

How to Protect Your Assets at Each Life Stage

Do insurance options seem overwhelming at times? It can be tricky to navigate the many different plan types and terminologies to find the right fit...

Taking Sick Stocks’ Temperature

As you’ve surely noticed by now, I’m confident about the long term strength in the economy, even if the short term outlook is virtually unknowable....

One of The Most Prominent Retiree Risks: Sequence of Returns

Imagine spending decades meticulously planning and conscientiously saving for retirement only to experience a bear market shortly after leaving the workforce. Suddenly, you’re ready to...

How Will the SECURE Act Affect My Retirement Plans?

In an effort to help Americans better save and prepare for retirement, Congress has passed the first pivotal piece of retirement legislation we have seen...

The Risks and Rewards of Investing in IPOs

Have you ever heard someone touting how they got in on the “ground floor” of a publicly-traded stock and it skyrocketed from there? What did...

What Does Your New Retirement Look Like?

Retirement today is not the same as it was 30, 20, even 10 years ago.  Because we’re generally living longer nowadays (we might need to...

THE FINANCIAL EQUATION: Diversification: What You Need to Know

It’s hard to believe I’ve been writing and getting financial articles published for years and I’ve yet to cover the topic of diversification with my...

What Does Retirement Really Mean (To You)?

Retirement is a nebulous word that means different things to different people. For some, it means leaving the workforce permanently to relax at home. For...

What is an inverted yield curve, and what does it mean to me?

In early August of 2019, headlines referring to the feared “inverted yield curve” were on display all over news, financial websites and publications, sparking a...

Thinking about Sending Your Child to a Private High School?

There are many reasons why parents may consider sending their child to a private school; from the varied curriculum these schools are able to offer,...

A Financial Advisor’s Point of View: What and When to Teach your Kid’s about Money

As every father or mother knows, being a parent can be challenging. There are so many important aspects in life you need to share so...

Tips To Make Sure Your Beneficiaries Are Accurate

There are numerous life events that can make us reconsider who we want to leave money to in our 401(k)s, IRAs, 403(b)s, annuities, life insurance...

Investing in Technology Stocks

If you have been investing for at least twenty years, you have seen both the good and bad times for technology stocks. The late nineties...

Your Portfolio During a Trade War

Trade Wars in The News Anyone who has checked the news once in the past month knows that America is on the precipice of a...

Commercial Real Estate Investments

When most investors think about investing in real estate, residential real estate is the natural thought that comes to mind first. On the other hand,...

7 Signs You Need a Financial Advisor

Hiring an advisor is a major decision that one can make as it primarily concerns the management of one’s finances. A long-term engagement with a...

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