Articles

  • NewMax Finance

    Financial Blueprint

    Survival depends on you knowing the difference between white lies that don’t matter and dark fabrications that have the potential to derail your retirement planning.

  • NewsMax Finance

    Financial Planner Cleveland

    It's like rubbernecking after a car accident: The market sinks dramatically, as it has for most of 2016, and virtually everyone with a 401(k) plan suddenly can't look away from the wreckage.

  • NewsMax Finance

    Financial Planner Cleveland

    “A recession has occurred in the U.S. about every five years, on average, since the end of WWII; and it has been seven years since the last one — we are overdue,” the author of the book "The Coming Bond Market Collapse" wrote for CNBC.

  • Time Magazine

    Financial Planner Cleveland

    Last year's market wipeout showed the vulnerability of the popular retirement-savings accounts. But the data are telling us that even in the long run, consumers need better options

  • Forbes Magazine -2004

    Financial Planner Cleveland

    It sounds like heresy to workers who have been unremittingly lectured for the past two decades to save more in their IRAs and 401(k)s, but the truth is that there is such a thing as too much tax deferral.

  • Forbes Magazine 2009

    Financial Planner Cleveland

    For two decades we have been advising you to maximize your tax-deferred 401(k) accounts and IRA, and, at the other end, to minimize withdrawals. Let your earnings compound tax free , went the thinking. Deferral is magic.

  • Market Watch

    Financial Planner Cleveland

    IRAs and 401(k)s weren’t designed to be retirement plans but savings or thrift plans. And the returns are small: After adjusting for inflation and subtracting taxes and fees, “you’re down into a pretty paltry return, 1 or 2%,” according to Frontline, which Bogle confirms. “We don’t tell people that, you see, in this business,” Bogle adds.

  • Market Watch

    Financial Planner Cleveland

    In 2002, Kiyosaki wrote that the stock market would crash in 2016 as the first wave of baby boomers began to hit 70 1/2 in 2016 and started taking required-by-law distributions from traditional individual retirement accounts.

  • LifeHealth Pro

    Debunking Dave Ramsey's Column Advise is Just Too Easy

    Financial Planner Cleveland

    Dear Dave Ramsey: Please learn the difference between investment advisors and financial advisors.

  • LifeHealth Pro

    The real reason Dave Ramsey should be regulated

    Financial Planner Cleveland

    The reality is that no debt and 100 percent investment into "good growth stock mutual funds" isn't a financial plan. It's a marketing slogan.

  • LifeHealth Pro

    The dangerous lie Dave Ramsey tells about cash value life insurance

    Financial Planner Cleveland

    Dave Ramsey has a bad habit of giving harmful advice to any caller who asks about cash value life insurance or more conservative investments.

  • LifeHealth Pro

    Here’s how Dave Ramsey racked up billions in listener losses

    Financial Planner Cleveland

    Bad financial advice doled out daily really adds up.

  • LifeHealth Pro

    Let's Play A New Game: Dave Ramsey Jenga

    Financial Planner Cleveland

    I know Dave Ramsey is just trying to help. The problem is, he’s not licensed to help. He’s clearly not knowledgeable to help. Taxes, debt, IRAs, insurance, and calculating rate of return -are core blocks in a financial planner’s tower. Dave is dangerously inadequate in all of these.

  • LifeHealth Pro

    Cash Value Life Insurance Makes Harbaugh College Football's Top-Paid Coach

    Financial Planner Cleveland

    What most people don’t know, however, is that the compensation strategy was designed to provide Harbaugh with millions of dollars of tax-free cash during retirement. It's one that can also be incredibly effective on a much smaller scale.