So why should anyone own gold when its connection to money is founded in part on folklore and a gold standard that no longer exists? Well, first of all, economics and finance are not physics—a lot of it is ruled by mythology, rules of thumb, and superstitions.
“In a perfect world, the government would allow borrowers to refinance their public and private student loans into one loan at a low rate while they continue to receive government protections and forgiveness programs. Until then, borrow wisely, and refinance cautiously.”
Section 404© of ERISA requires plan sponsors to provide specific information and education to their employees, and if a plan meets the requirement than the plan sponsor and other fiduciaries are not liable for losses in an employee account.
My portfolio management recommends investments, based on an explicit balance of growth vs. security. Most of my asset management business (90%) is as an investment adviser representative (fiduciary), charging the client a level or fee-only.
My 401k consulting services are provided as a level-fee financial advisor as defined by the Department of Labor in their Fiduciary Rule. I will build your investment policy statement and produce plan-specific investment recommendations and reports.
Life insurance is one of the most important but least understood financial products. After the death of a loved one, it can offer enormous financial comfort to your beneficiaries. However, because of how it has been sold (high pressure) together with the buying process (which can be cumbersome), many Americans don’t have enough.
If you’re concerned about your financial future, let’s talk