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Much of what I write about is specific to my experiences in the financial services industry.

My existing clients are the the type of people that are in need of a ‘formal’ financial plan. And the majority of my clients already have a significant asset base.

They have many complex issues that need servicing. For instance, they pay me to manage their investments, look at their insurance options, provide estate planning solutions, review disability and LTC packages, etc.

This is what I’m trained to do, this is where my expertise lies. My experiences in financial services come from dealing with this sweetspot.

Continue Reading “Integrating ‘Down Home’ planning with other finance blogs”

In my last post, I ended by talking about relative performance. I kinda wanted to clarify a few things since I may not have been as clear as I wanted to be.

The investment portfolios I construct for client’s are (almost always) directly related to what the financial plan tells me we need to return, in order to achieve the client’s stated goals. Each situation is customizable and unique.

In the last post, I mentioned 8.9% as the hypothetical return needed. Typically, based on historical returns and plan assumptions, I will construct a portfolio of stocks, bonds, managed futures, etc. that will put us slightly above that 8.9% number.

Continue Reading “Relative performance can be relative”