At the urging of a friend I scheduled a golf lesson last weekend. The instructor patiently watched as balls ricocheted left and right off my 8 iron. With a grunt,…
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In America, paying down debt is a rite of passage. Most of us at one point or another have felt the suffocating effects of too much debt. Deleveraging can be…
Consumers and practitioners alike often fall into a trap. In lieu of calculating a retirement plan, we instead rely too heavily on oversimplified rules of thumb and general advice. Rules…
Back in the 90’s I sold a lot of variable annuities. I worked for a large financial services company that strongly encouraged the use of variable annuities and there were…
The last several weeks we have been busy meeting with our client’s children. We recommend what we call “kid meetings” at a few critical stages: Just prior to getting their…
More than half of retiring Americans today opt to take Social Security before their Normal Retirement Age, and less than three percent of filers wait until age 70. Many…
The Schulz family will be proudly in attendance at College Park Center in Arlington today for our oldest daughter’s graduation from college. One down…….three to go. Our daughter has grown…
Many years ago I was with my good friend and longtime business partner Larry McNeil when someone asked him “What’s it like being your own boss?” to which Larry replied…
As a parent, I watch a LOT of volleyball. I sometimes think I know the game and start making suggestions to my oldest daughter who plays competitively in college. She…
In most of my recent client meetings I am being reminded that retirement is an outdated term. We try to use the term “transition” but that does not fit as…
