How to Keep from Failing at Retirement

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We are eight years into a strong bull market in stocks, with rising employment and the highest consumer confidence readings we’ve seen in a long time. On top of that, we also are in the middle of a wave of Baby Boomers hitting their mid-sixties, the classic retirement age. Those factors combine to see some [...]

Three Important Factors To Consider before Accepting a New Job Offer

factors-to-consider-before-accepting-job-offer

So you’ve just received a great new job offer with the company of your dreams? There is no denying it, this is a pretty great feeling, especially since it is probably the culmination of years of planning and hard work. So before you take the job or start to negotiate your salary and benefits, stop [...]

The Case for Quitting Your Job

image source: WSJ.com

“The phenomenon of delayed retirement is well documented. Average retirement ages are climbing, and nearly half of baby boomers say they expect to work until age 66 or beyond, according to Gallup Inc. polls.”  – Anne Tergesen (Wall Street Journal) For many of these potential retirees, they have no choice–they need the money. That’s why [...]

First Quarter 2017 Investment Commentary

1ST Q 2017

First Quarter 2017 Key Takeaways– Global equities greeted the new year with the same degree of gusto with which they closed 2016. Emerging-market stocks led the way with double-digit gains, followed closely by developed international and U.S. stocks. Our portfolios benefited from their overweight to emerging-market stocks, which outpaced U.S. stocks by over five percentage points [...]

Worried About a Tax Audit?

Worried-About-Tax-Audit

As our clients know, we spend a lot of time talking about income taxes. No, we’re not masochists, we just know that for most people, and especially for retired folks, income tax planning is one of the best ways to keep more of your money. Consistent and thoughtful income tax planning done year after year [...]

Is Europe Set for a Rebound?

europe-set-for-a-rebound

As our clients and readers of our newsletters know, we’ve been relatively big proponents of investing internationally — both in Europe and in “emerging markets” over the last 18 to 24 months. We have taken this stance largely as a result of our central discipline and guiding belief — that assets tend to revert to [...]

Do You Need Life Insurance in Retirement?

Life Insurance in Retirement?

In a recent Gallup survey, 64% of Americans said that they worry about having enough money for a comfortable retirement, and this fear has many re-examining their budgets to find additional ways to save for their golden years. But maybe you are part of the group that feels pretty good about their retirement planning. Even still, [...]

Curtis Hearn’s Ten-Year Anniversary with JPH (And a Surprise Announcement!)

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This month marks my tenth year of employment with JPH Advisory Group, which I think is cause for some celebration! But first, a little reflection… If I’m completely honest, when I first stepped into the financial industry about 14 years ago, I did so with a great deal of trepidation. Deep down, I felt a [...]

A 30-Day Financial Detox — How I Got Back on Track Financially by Re-Evaluating Everything

financial-detox

“If I can live for a dollar a day — at least from a food cost standpoint — it’s pretty easy to earn $30 dollars in a month, so I’ll probably be ok.” –Elon Musk Long before Elon Musk became a billionaire, he was a college grad with big dreams, just trying to find a [...]

Fourth Quarter 2016 Investment Commentary

2016 Q4 Feature

Fourth Quarter 2016 Key Takeaways – Global stocks performed well both in absolute terms and relative to core bonds this year, with U.S. stocks again taking the lead. Large-cap stocks gained 11.8% . This marked the eighth straight year the large-cap S&P 500 Index had a positive return. While streaks of this length have occurred twice before, [...]