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04Oct
Resonate’s Enhanced Services
Intergenerational Planning

Richness of Life

 

 

As a natural result of our clients’ busy lives, it is becoming increasingly clear that planning to meet their life and financial goals is rapidly becoming more complex.

Therefore, to act on our dedication and commitment to our clients, I am pleased to share that we have enhanced our services to include the following:

  1. Tax strategies designed to optimized the tax efficiency of a retirement portfolio both current and in the future.
  2. An annual Medicare check-up.  Whether you are currently covered with Medicare or you know someone who is, here are items that need to be updated each year:
  • A change in prescription medications;
  • Gradual increases in the Medicare gap filler or Part D premiums;
  • If a current carrier has discontinued the Medicare Part C or D plan;
  • A change in legal name;
  • A change of residence.
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22Sep
Rise of the Robo-Advisor
Blogs / Articles

robo-advisors I am increasingly reading about the “Rise of the Robo-Advisor” and thought some recent information might interest you as it did me.

For those of you who might not be familiar with the concept, Robo-Advisors are computers programmed to create investment portfolios.  They tend to be most popular with younger investors.

Did you know that, a “decision to protect its investors by Betterment, (a large Robo-advisor) resulted in Betterment temporarily suspending trading the morning after the Brexit vote?  “This decision, made on only a 2% drop in the market, disappointed and surprised many Betterment users. “

(Source: “Betterment’s Brexit Shock” by Suleman Din Techzone Financial Planning August 2016)

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20Sep
And the Scams Continue
Economy

Wells Fargo  is the latest recipient of a massive fine ($185 million) for fraudulent activity impacting thousands of their customers.  The employees who opened thousands of accounts without the knowledge of their clients, say that the corporate imposed sales quotas were simply impossible to reach consistently.  So they chose to break the law to reach their goals. (The source for this information is the Wall Street Journal September 14. “Wells Boss Says Staff At Fault For Scams” and “Wells Fargo Isn’t Sorry Enough”)

Quotas and sale goals are common throughout the entire banking and large wire-house industry.  Conflicts of interest can be a natural outcome any time there are shareholders to satisfy.

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25Jul
Why Housing Affordability Matters and Where We Are Now
Economy

I recently read some research on the housing market written by Stephen Leeb in the July issue of The Complete Investor.

In it, he notes that homes are the largest U.S. household asset.  Homes are far more widely distributed than stocks, on which we tend to focus much of our attention.

The January 2000-March 2016 S&P/Case-Shiller Composite Home Price Index brings us some good news.

Housing affordability is higher than at any time before 2009.  The reason this is so important is that a decline in home affordability can reduce consumer spending which negatively impacts certain corporate profits.

Worse case there can be mass foreclosures as we have also seen.

So the current housing indicators are very positive for the U.S. economy.

If you would like investment ideas based on this, let’s have a conversation to be sure that any recommendations are suitable for you.

Barbara A. Culver
CFP®, ChFC®, CLU, AEP®
Resonate, Inc.
(513) 605-2500
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15Jan
Market Updates
Economy
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15Jan
Articles / Links
College Planning
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15Jan
Newsletter
Economy

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