June 2014

How Much of My IRA Should I Have in Stocks?

In years gone by, an individual simply subtracted his age from 100 to find the percentage of stocks to hold in his portfolio. It was an answer easily digested by someone in, or near retirement, and an answer that worked fairly well. But a lot has changed and easy answers aren’t always the right answer.

Retirement Income Rules: Easy Isn't Always Effective

Much has been written about the “4% Rule” for retirement withdrawals. Its a simple rule that says withdrawal 4% of an account during year one of retirement, increase the distribution annually by the rate of inflation, and
the portfolio should last 30 years.  I appreciate the rule’s simplicity, but it has no basis in the unique, dynamic economic realities faced in

What to Ask Before You Invest

Q: My current broker is retiring, how do I make sure the transition to his replacement goes smoothly?                           

A: Interview this new broker "candidate" as if you are hiring a new broker. Ask him specific questions, such as "How long have you been advising clients, like me?", "What process do you use for selecting my investments?" and "How will I pay you for handling my accounts?"  Don't feel as if these questions are out of place, and make sure his responses are specific to your situation. After all, this is your money and your financial future.

A Funny Thing Happened on the Way to Higher Rates (June 2014)

It’s interesting how the markets can sometimes humble the best analysts. Take what’s happening in the bond market. Last year, pundits pronounced that bond yields would rise in 2014. But, since the beginning of the year, yields have drifted lower, falling over a half a percentage point.

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Investing with Impact: Searching for Portfolio Values

As a professional advisor, my clients look for help in their financial lives; addressing goals and managing money. As a professional parent, my clients (ok, my kids) seek different guidance – help with family values instead of portfolio values.

OSBORN Wealth Management is a fee only advisory firm dedicated to providing conservative asset management, experienced retirement planning and unbiased financial advice. Blog posts are intended for informational and educational purposes, only, and are not an offer to sell. As individual's circumstances are always unique, please consult a professional before embarking on any changes to your investment, planning, tax or legal situation. For questions on this Blog post, or general inquiries about our professional advisory services, please give us a call at 800-889-7401 or email me at drummond@osbornwealthmanagement.com.

SYNERGOS Financial Services d/b/a OSBORN Wealth Management is a Registered Investment Advisor currently registered in the states of Indiana and Michigan. The firm provides fee-only portfolio management and advisory services, and is not associated with any banks or broker-dealers. For more information, please view our current ADV filing.

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