INVESTING: EXPECTATIONS VS. REALITY

Posted by Brad Bridgewater
On June 26, 2017

A quick Google search of the phrase “Dow Jones Industrial Average history” yields endless versions of one of the most iconic, and misleading, graphs in modern finance. With a few dips here and there, including the most pronounced one during the Great Depression, the stock market trend shows a steep incline that encompasses more than […]

TEMPORAL DISCOUNTING

Posted by Brad Bridgewater
On June 10, 2017

Carpe diem: seize the day. Many take this to mean they should live in the moment, let go of the past, and let the future worry about itself. In the financial world, this mindset takes the form of temporal discounting. Temporal discounting is the tendency for people to put a greater value on what is happening […]

USING TRUSTS TO MANAGE THE DISTRIBUTION OF YOUR ESTATE

Posted by Michael Kane, CFP®
On May 26, 2017

When tailored to the unique needs of your family, trusts are one of the best ways to protect and execute the plans you’ve made on behalf of your beneficiaries. They help you control the frequency and timing of any inheritance and assist in providing a lifetime of financial security for your loved ones. Many people […]

TALKING TO YOUR COLLEGE-AGED CHILDREN ABOUT FINANCIAL PLANNING

Posted by Michael Kane, CFP®
On May 16, 2017

Saving money is an important part of preparing for the future. Teaching your children how to budget and save early on will not only help them ensure a solid future, it will also help them to achieve financial independence. By the time your kids are old enough to go off to college, they are ready […]

FACTORS THAT AFFECT YOUR RISK TOLERANCE

Posted by Brad Bridgewater
On May 12, 2017

Investing at any stage of life involves some inherent risk. At RAA, we strive to help our clients understand their tolerance for risk and ways to address it effectively in a sustainable, long-term investment and retirement strategy. There are several factors that affect your comfort level with risk, and these should inform the composition of your portfolio […]

FINANCIAL PLANNING: HELPING YOU SEE THE BIG PICTURE

Posted by Michael Kane, CFP®
On May 7, 2017

Do you picture yourself retiring comfortably, paying off all your debt, starting a new business or traveling extensively? These are a few of the retirement goals that may be important to you, and each comes with a price tag attached. That’s where financial planning comes in. Financial planning is a process that can help you target […]

STAYING ACTIVE IN RETIREMENT

Posted by Brad Bridgewater
On April 15, 2017

Retirement is the reward for all the hard work you have put in over the years, but after a full career, you may find yourself unsure about how to fill all those extra hours. As you embark on your retirement journey, try the following tips to make the most of your retirement by staying active physically […]

DIVORCE AND YOUR NEW FINANCIAL OUTLOOK

Posted by Brad Bridgewater
On March 31, 2017

Divorce can be one of life’s most painful and difficult events. Not only is the process emotionally challenging and deeply personal, but it can also wreak havoc on your finances. While it’s normal to feel overwhelmed and confused during this time, there are important steps you can take to alleviate some of the stress of […]

THE OPPORTUNITY COST OF DOING NOTHING WITH YOUR FINANCIAL PLAN

Posted by Brad Bridgewater
On March 17, 2017

Opportunity cost is defined as “the loss of potential gain from other alternatives when one alternative is chosen.” In the business world, “the cost of doing nothing” is a commonly used phrase relating to hiring practices, customer service, marketing strategies, or financial decisions. Economists have attempted to quantify this cost in a variety of situations. […]

ON THE ARRIVAL: THINKING ABOUT RETIREMENT WELL BEFORE RETIREMENT

Posted by Jeff Baumert, AIF®, CIMA®
On March 3, 2017

You’ve worked hard and logged tens of thousands of hours transiting the globe. Along the way, you’ve deftly handled a handful of minor emergencies, and perhaps even one or two that left your knees weak. You’ve smiled and waved at thousands of satisfied passengers as they safely departed to the next stage of their travels. […]

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