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Articles on Wealth Management Topics

Fee-Only vs. Fee-based Investment Advice

In past articles, we've discussed the confusion that many consumers of financial services have regarding terminology such as "fiduciary". Another misconception that many people (including related professionals) struggle with is the difference between Fee-Only and fee-based advice.

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Let's Talk Retirement Withdrawal Rates

Years ago, I was quoted in Newsweek as having said, "If you can't get by on the wise 4 percent withdrawal rate [from your retirement nest egg], you should have a serious talk with yourself and your spouse about your priorities, trade-offs and aspirations." While it's certainly nice being mentioned in a national magazine, the material I contributed to the article had nothing to do with withdrawal rates from retirement portfolios, and financial planning rules of thumb are next to useless.

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