FVIM's Insights

News and information about preserving your life savings

Retirement Planning in Death Valley

Every so often, I think it's good to get out and gain a fresh perspective on life. That's one reason I decided to attend this year's Financial Advisor magazine's retirement symposium in Las Vegas, where it would be hard to find a climate more different from my usual surrounds in the Columbia River Gorge. In addition, Nick Murray, one of my favorite curmudgeonly financial commentators, was a keynote speaker on a theme high on my list of professional interests: Helping families achieve and sustain a desirable retirement. Retirement Planning – Las Vegas Style? During the symposium, I had the opportunity to...
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Engineering an Active Retirement

You might think of a Massachusetts Institute of Technology alumni event as a great place to pick up smart engineering tips … but would you think of the same group as experts on how to achieve an active retirement? In his article, “Retirement advice from active retirees,” Wall Street Journal MarketWatch columnist Joseph Coughlin asked 200 MIT alumni and spouses (with an average age of 79), to write down retirement planning advice they’d offer the younger generation. You might be surprised at the wealth of information enthusiastically offered. Electric Ideas My favorite, quote from engineering friends was: “Money, like electricity, is...
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There's No Good Time To Market-Time

As stock prices have been enjoying a sustained bull run this year, one question we’ve been receiving lately goes something like this: “Are prices now too high, with nowhere to go but down if I buy stocks at this time?” To answer that question, consider an interesting series of blog posts from CBS MoneyWatch columnist Larry Swedroe, who is currently tracking eight “sure thing” predictions he identified at the beginning of 2013. The first of the eight commonly heard predictions at that time was: “The golden age of stock investing is over.” So has the “sure thing” prediction come to pass?...
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Money Management for Your Encore Years

How many times have you said, or at least thought: “If only I knew then what I know now.” In some respects, my role as an investment advisor is to bring that seasoned knowledge to your financial decision-making …  before  you have to learn something the hard way. This is always an important component of our services, but it seems particularly applicable to helping people plan for the second act, or “encore” portion of their lives – the period that begins around age 50. After having worked hard until then to accumulate wealth, many of us begin to wonder if we’ll...
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