In the pass we have discussed the ‘how’s & why’s’ of how you can impact valuable, lifelong lessons and financial legacies for your loved ones – more specifically - your children. Children who inherit significant wealth are all too often under pre... Read more...

  Will employees and employers win… or lose?  At the time employers began rolling out 401(k) savings plans for their employees, the message was clea... Read more...

New SEC Proposals The Securities and Exchange Commission's recent preliminary proposals to have target-date funds show their asset allocations have been broadly welcomed, however there are questions about whether the proposal... Read more...

When the stock market plunged during 2007 and 2008, the retirement savings millions of American investors plunged along with it. Since so many of these retirement savings plans were 401(k)’s, the effectiveness and true value of this ‘solid’ retirement savings vehicle came into question for many. Everyone from industry experts, media outlets nationw... Read more...

Wealthy families often struggle when determining how best to pass on gifts and bequests to loved ones, especially their children. Planning your estate and passing on your legacy of wealth is often a challenging endeavor.We have created a few simple guidelines to help families optimize their estate planning, while satisfying personal family needs and desires. Objectivity We advise positioning the distribution of your inheritance in a way that your children must wait before re... Read more...

Prior to the economic crisis over the past two years, most advisors have been comfortable in knowing precisely what their most affluent clients wanted. Typically, that was re... Read more...

 Retirement fund lineups are often constructed with the plan provider's revenue target as the foremost consideration. By offering proprietary mutual funds as well as non-proprietary funds under revenue sharing arrangements, participants may pay unnecessarily high fees for fund offerings. ... Read more...

In a 401(k) plan, a participant’s account balance determines the amount of retirement income he/she will ultimately receive from the plan. Plan fees and expenses can substantially reduce the growth of a participant’s account. For several months, Congress has been working on ways to increase fee disclosure and guarantee there is no conflict of interest in the investment advice given to plan participants. This way, plan advisors are truly ... Read more...

By: Matthew Kopsky - President HM Capital Management Buy and sell – two words that will always come into the discussion when it comes to your investments.  But there are times when we need to add one more word: hold.  You might be able to accomplish this through a market neut... Read more...

 Uncle Sam wants you. That’s the new government cry as audits for the wealthy are on the rise. Specifically the Internal Revenue Service has increased audits of taxpayers earning between $1 million and $5 million by 45% last year. You think that’s a lot, the same goes for those who made considerably more. ... Read more...

 While out shopping one day, I overheard a conversation between a mother and her son. He looked to be about seven or eight years old.  “Can we get this one too,” he asked pointing at a video game. “No, you’ve already picked one and that’s all you can have right now.”  This wasn’t... Read more...

 As more and more companies are bringing back matching programs, the Federal Government is taking aim at target date funds and how they work in retirement plans.  Are they good or bad? Will they be enough to build the nest egg that you need? What are Target Date Funds? Target date funds have been... Read more...

 How do you view recession? When the country experiences a decline in the GDP for two consecutive quarters? A massive wave of job loss across industries and sectors? Is it a crisis or do you view this as an opportunity? The answer depends on how you look at it.    Take the second question: “Is this recession... Read more...

 Life is unpredictable. And let’s face it; no one is completely financially secure.  But planning your financial present and future can help you create your own financial freedom. ... Read more...

 Uncertainty in the American economy has shaken the once solid faith in the stocks and bonds system. What once was an easy decision to sign on the dotted line now makes you think twice about where you put your money. Should I enroll in my company’s 401(k)? Are they matching? I’ve lost so much already, what should I do now? ... Read more...