The Cautious Investor

The trusted Advisors of our Warren Office contribute a monthly article, The Cautious Investor, to The Youngstown Business Journal.

Retirement – Is it the end, or just a new beginning?

March 28, 2019 | 0 Comments

Many of us are planning our retirement, some with excited anticipation, some with apprehension.  Naturally the primary focus is usually on the financial – can I afford to retire?  It is important to assure that you have the financial resources you will need and good financial management practices in place for a successful retirement.  But…

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Is it Worth Working with an Advisor?

February 21, 2019 | 0 Comments

According to Vanguard, the leader in do-it-yourself (DIY) investing, they believe a financial advisor can add approximately three percentage points to a client’s investment returns per year.  The study found five separate ways advisors add value (alpha) in working with their clients. * Vanguard Advisor’s Alpha Value-Add (approx. annual %) Behavioral Coaching 1.5% Asset Location 0 to .75%…

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A New Normal in Estate Planning – The Digital Estate

January 18, 2019 | 0 Comments

We live in the digital age, and the world is going paperless. Many people pay their bills online, use online-only savings accounts or software like Turbo Tax. But what happens to your online world when you pass away? Technology has made having an online presence a convenient and important component of many Americans’ lives.  It…

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Planning for Peace in the New Year

December 28, 2018 | 0 Comments

If you’ve ever had that unpleasant money conversation with your spouse, significant other, or even children about how much things costs and where money is getting spent, you’re not alone. Budgeting can be incredibly uncomfortable for all if it involves accusations, criticisms and finger-wielding for past spending decisions. But what if budgeting didn’t need to…

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Tax Advantaged Holiday Gift Ideas for Grandchildren

November 18, 2018 | 0 Comments

Shopping for grandkids can be difficult. Clothes and gift cards are usually boring and toys are only exciting for a day or two, but there’s another solution: financial gifts. While a financial gift might not be fully appreciated by kids or teens when they’re young, they will get far more from it than the momentary…

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Mr. and Mrs. Unlucky – Understanding Sequence of Return Risk

October 29, 2018 | 0 Comments

Since March 9th of 2009, the U.S. stock market has taken off. Some have labeled this the longest bull market in history although FINRA technically gives that title to the 12 ½ years from October 1987 – March 2000. Many investors have reaped the benefits from strong equity markets over the last 9 years, but…

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Filing the FAFSA for Divorced or Separated Parents

October 1, 2018 | 0 Comments

If you’re a dependent student filing the FAFSA, and your parents are separated and/or divorced, applying for financial aid is not difficult. However, there are a few steps you’ll need to take and additional paperwork you may need depending on several factors. Contrary to what is sometimes assumed, parents “not living together” means that the…

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Baby Boomers, Know Thy Self

August 21, 2018 | 0 Comments

Many Boomers have saved their hard-earned money for years with plans of being able to retire. Some have faced job loss and various circumstances that have led them to not be able to retire – or at least not when planned. For those who do have plans to retire soon or already are retired, having…

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The Health Care Conundrum

August 1, 2018 | 0 Comments

Retirement is supposed to be glorious, a time to cross off items on your bucket list. One problem however, is that rising health care costs are tipping the buckets over on many retirees.    According to HealthView Services, health care expenses are projected to increase at a rate of 5.47% per year. This is more than…

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Your Money or Your Life?

June 21, 2018 | 0 Comments

Older adults who lose their life savings may also lose years from their life, a new Journal of American Medical Association* study suggests. Looking at more than 8,700 Americans ages 51-61, researchers found that those who lost 75% or more of their net worth within a two-year period were more likely to die over the…

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