asset – MD Update

Investment Markets: Problem? or Opportunity?

June 1, 2022June 22, 2022 Scott Neal 9% year-to-date, aggregate U.S. Bond market, allocation, asset, asset allocation, asset class, basket of security, bond, bond loss, bond market, cash, cash remains, chief risk, correction territory, drawdowns, entire portfolio, ETFs, federal reserve policy, hold security, image001 image002, inflation, interest rate, investment, investment market, investment protocol, investor, longer-term bond, market cycle, market turn, market-like return, momentum, momentum growth strategy, near-zero interest rate policy, portfolio, portfolio objective, portfolio performance, prescribed allocation, preservation, price of the bond, rate of longer-term bond, reduce volatility, reduce volatility of the entire portfolio, risk tolerance, S&P 500, Scott Neal, specific rate of interest, stock, strategy, tenet of traditional asset allocation, tolerance, towel, traditional asset allocation, traditional asset class, traditional stock, treasury inflation, U.S. Bond, U.S. Bond market, uncertainty of the situation, upside volatility, usual asset class, volatility, wealth, wealth preservation, wealth preservation strategy

The current economy, marked by the combination of high and rising inflation, low unemployment, and the near-zero interest rate policy

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Five Types of Risk and How to Deal with Them

February 1, 2022April 19, 2022 Scott Neal alert, alternative future scenario, annuity payout, asset, asset allocation, chief risk, chief risk control, defensive stock, Drawdown, Drawdown risk, estate work, financial plan, flavor of risk, future regret, future use reasonable assumption, good dividend, good hedge, good perform asset, inflation, inflation beater, investment, investment hit, investment turn, investor, investor face, let 's look, long-term goal, loss of purchase power, mind of investor, portfolio, purchase power, rational investor, real estate work, risk budget, risk tolerance questionnaire, S&P 500, Scott Neal, short term bond, short-term promise, short-term promise of gain, standard deviation of the distribution of return, stock, type of risk, volatility, volatility risk, x., x% return

Investors face several types of risk, and I contend that it is a mistake to get so focused on just

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Inflation: The Cause and Effect

December 1, 2021February 15, 2022 Scott Neal 1.75% inflation, 6% inflation, ABCs of inflation, asset, average price of gasoline, bond, bond market, brand_new Z28 Camaro, brand-new model, cause of inflation, Chevy dealer, curve, deficit, double of the cost, dreaded word, fed, flow of wealth, good year, high interest rate, impact of sustained 6% inflation, importance of time-dimensioned goal, inflation, interest rate, long term bond, magnitude of inflation, near-term, near-term impact, near-term impact of inflation, plan scenario, price of good, regular broadcast of the news, result of 6% inflation, rise of price, S&P 500, Scott Neal, show room floor, store of wealth matter, supply curve, sustained 6% inflation, term bond, term rate, time horizon, time-dimensioned, time-dimensioned goal, true impact of the rise, wealth matter, Z28, Z28 Camaro

If you are the one in your family who fills up at the gas pump or shops at the grocery

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Back to Basics

April 1, 2021June 16, 2021 Scott Neal Alka-Seltzer commercial, amount of payoff, asset, balance, balance sheet, balance sheet date, basics, cash, cash flow, categorization of the asset, checkup, coronavirus vaccine, debt, dynamics of a balance sheet, fizz, foolish action, inflow, JTWROS, liability, liquidity of the asset, negative net worth, net worth, old Alka-Seltzer commercial, payoff, payoff date, plop, right of survivorship, rollout of the coronavirus vaccine, Scott Neal, sheet, snapshot of a point, spouse 's asset, tax-deferred, tax-deferred retirement account, Tax-Deferred retirement asset, taxable asset, track of net worth, worth

Remember that old Alka-Seltzer commercial that began, “Plop, plop, fizz, fizz, oh what a relief it is?” I don’t think

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The SECURE Act and Your Retirement

February 1, 2020April 2, 2020 Scott Neal 70½, asset, beneficiary, bracket, bracket management, carryforwards, consideration, conversion, critical decision factor, current tax regime, deceased owner, decision factor, free income, future generation, high tax bracket, important provision of the act, income recognition, income recognition strategy, inherited IRAs, insurance, IRA, IRA beneficiary designation, IRAs, IRS table life expectancy, job act, large retirement account relative, life insurance, low tax year, minimum distribution, must start, non-retirement, non-retirement account, non-spouse, non-spouse beneficiary, plan opportunity, prior plan, prolong wealth, re-evaluated, reprieve, retirement, retirement account relative, retirement asset, retirement enhancement, RMDs, Roth, Roth asset, Roth conversion, Roth distribution, Roth IRAs, Roth reprieve, Scott Neal, secure act, stock advice, strategic approach, tax bracket, tax-free, tax-free distribution, tax-free growth, taxpayer, top of the current 24% bracket, traditional IRAs, traditional retirement asset

For as long as I can remember, the stock advice about IRAs has been to stretch them out as long

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Buffer for the Wealthy

November 1, 2019February 21, 2020 Calvin Rasey American benefit council, asset, benefit council, buffer, compensation plan, contribution limitation, decent return, deferred compensation plan, earner, future retirement, grip of uncle, guaranteed pension, high income earner, income earner, income limitation, indexed Universal life, indexed Universal life insurance, IRAs, IUL, market year, massive tax hike, pendulum, pension, political party occupy congress, portion of the asset, profit share plan, qualified retirement plan, rental real estate, retirement, retirement asset, retirement tax buffer, risk buffer, Roth IRA, stock, tax bracket, tax buffer, tax pendulum swing, tax treatment of indexed Universal life, taxable brokerage account, tidy little nest egg, Universal, Universal life, Universal life insurance, US government accountability office, versatility

Today, more than ever, physicians are concerned with retirement. I believe that, due to market volatility and massive tax hikes,

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Smarter Investment Objectives

November 1, 2019February 21, 2020 Scott Neal aspect of liquidity, asset, asset 's tax, available cash, cash, cash flow, category, charitable organization seek year-end contribution, difficulty set investment goal, dividend, Droms, economic benefit, economic benefit of an investment portfolio, elimination of capital gain, G., Georgetown university 's William G., immediate taxation, immediate taxation of dividend, important tax benefit, investment, investment goal, investment portfolio, liquidity, little quiz, MD-UPDATE, MD-UPDATE issue, moderate growth, portfolio, qualified retirement account, question of allocation, quiz, retirement account, risk tolerance, Scott Neal, security selection, share of a widely-traded stock, smart give, smart investment objective, substantial growth, tax benefit, tax consideration, tax-efficient invest, tradeoff, valid entry, widely-traded, widely-traded stock, work of Georgetown university 's William G., year-end contribution

Before we get into the topic for this issue, I offer a reminder. If the contents of your inbox resemble

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College Affordability 101

October 1, 2017March 23, 2018 Scott Neal admission, admission pitch, asset, borrow money, child 's high education cost, college affordability 101, college choice decision, cost of high education, decision deadline approach, direct student loan, education fund goal, EFC, expected family contribution, expected quality, expected quality of life, expected total cost, expected total cost of education, FAFSA, FAFSA form, family 's overall long-range, family contribution, federal student aid, financial aid, financial plan, financial planner, free application, loan, parent 's asset, parent 's income, pay 1/3, planner, repayment, school 's rank, Scott Neal, significant financial decision, student 's income, student 's projected asset, student aid, student loan, task of the admission office, tax-exempt account

The college choice decision is one of the most stressful, and arguably, one of the most significant financial decisions that

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Different Strokes

February 1, 2017March 23, 2018 Scott Neal accompany chart, accompany chart of the S&P 500, Alexander elder, allocation, asset, asset allocation, buy-hold-and-rebalance, buy-low, chart book, chart combine inertia, chart of stock price, Dodd 's security analysis, early proponent of asset allocation, elder, elder 's chart, fast personal computer, finance professor, investment, investment professional, lead school of finance, level of volatility, mantra, mantra of investment professional, modern portfolio theory, Mordecai Kurz, optimal point, optimization of risk, order of the day, PnF, point-and-figure, portfolio theory, practical limitation of modern portfolio theory, Professor Markowitz, Roger Gibson, S&P 500, Scott Neal, static asset allocation, stock, stroke, teacher of trader, technical analysis, trader, trader 's attention, trend shift, update of point-and-figure, value-oriented invest, volume data, while price, widely-used investment textbook, wise investor

Once upon a time, the most widely-used investment textbook was Graham and Dodd’s Security Analysis. Still relied upon, it was

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Time for a Talk

July 1, 2016 Scott Neal accident cause incapacitation, actual care plan, adult day service, asset, Brexit, broad vision of long-term care, care plan, care questionnaire, cost of care, day service, Dr. Ken Murray, end of life plan, extensive long-term care questionnaire, family goal, family-specific, family-specific consideration, health event, Healthcare improvement, home private, home residency, home semi-private, homemaker service, human service project, idea of Medicaid plan, important communication, inform family, inform family of expectation, insurance, Kentucky, long-term care, Medicaid, Medicaid plan, needed care, not-so-fun, not-so-fun fact, nurse home residency, nurse home semi-private, potential cost of care, private pay, Scott Neal

Long-term care, often interpreted as a euphemism for nursing home residency, is hard to think about. And even harder to

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