FVIM's Insights

News and information about preserving your life savings

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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PBS Frontline "Retirement Gamble"

“The difference between the almost right word & the right word is really a large matter — it’s the difference between the lightning bug and the lightning.” — Mark Twain Given my chosen career as investment advisor and financial planner, I couldn’t help but catch a recently aired PBS Frontline show, “ The Retirement Gamble ,” promising to explore whether today’s retirement solutions are up to the challenge of preparing us for retirement. Explore these challenges it did. But in doing so, it overlooked a few points that, like the difference between a lightning bug and lightning, seemed too critical to...
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The Space Between Glum And Glee

“As a country, we go from glum to glee and glum to glee over and over again,” said investment strategist James Paulsen in a November 19 Bloomberg article assessing current market valuations and economic indicators. So which is it now? Post-election, at least we now know a little more about where we stand politically. But pre-Fiscal Cliff, our financial future remains as murky as ever. Most investors assume that the greatest challenge they face is predicting (or hiring someone who can predict) when the greater financial tides are about to turn, so they can successfully trade just ahead of the news....
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Realistic Retirement Planning

How do you define retirement? Are you planning to draw a sharp line between your career and your days of leisure, or do you expect a more gradual evolution? Either way, there will probably come a time when you begin to downplay building wealth and place greater emphasis on spending it and/or preserving it for future generations. For lack of a better word, we’ll call this post-transition period “retirement.” In a big-picture sense, much of the planning that goes on with your wealth is in anticipation and execution of retirement – and it’s where your investment advisor can really earn his...
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