asset – MD Update

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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Maintaining Optionality

May 1, 2015 Scott Neal 14 % more money, 20 % decline, advantage of a down market, Antifragile, appropriate strategy, asset, asymmetric upside, author of good seller, available cash, average new money, brief economics lesson, bucket approach, buy-hold-and-rebalance, buy-hold-and-rebalance strategy, cash, cash rest, conventional monetary policy, dollar-cost, dollar-cost average, down market, economics lesson, efficacy of ZIRP, face of ZIRP, fed fund rate, five year CD, fund rate, go-go year, hypothetical dollar-cost, interest rate, investor, legendary investor, limited downside, money market rate, more money, non-conventional policy, Optionaility, Optionality, past four, portfolio, price of financial asset, property of asymmetric upside, real beauty of dollar-cost average, S&P 500, Scott Neal, specific goal, stock, traditional advice, unique property of optionality, value of cash, value of cash rest, zero-interest rate policy, ZIRP

We begin with a brief economics lesson and then move to how it affects investors. During periods of slow economic

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Retirement. What Retirement?

July 1, 2014March 28, 2017 Scott Neal 70½, amount of investment asset, answer, asset, bracket, chosen lifestyle, current live standard, expected tax bracket, expense of current live standard, goal-setting method, income replacement, investment, investment portfolio, let 's break, live standard, misplaced priority, outset of retirement, people ask, portfolio, pre-retirement, quantifiable answer, required age of 70½, retirement, retirement goal, save question, Scott Neal, social security, start of social security, stock advice, targeted retirement, tax bracket, total accumulated tax bill

Lately we hear many people asking, “Will I have to work for the rest of my life?” My response, “It

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New Highs: What to Do Now!

June 1, 2014March 28, 2017 Scott Neal advisor, all-time high, amount of self-exploration, appropriate investment strategy, asset, asset allocation, assumption, capacity, capital preservation strategy, chosen asset allocation, consideration of the data, current investment, current situation, data gather process, fed, financial strategy, gather knowledge, good interest, good interest of the advisor, good look house, good quarter, good quarter of growth, high level of volatility, investment, investment strategy, investor, new high, next step of the data gather process, preservation strategy, quantitative ease, recession-induced, recession-induced catastrophe, relevant question regard risk tolerance, risk capacity, rosy outlook, S&P 500, Scott Neal, self exploration, short-term decision make, strategy, time horizon, tolerance, tool support, unprecedented level of quantitative ease, vision, wealth growth strategy

Some people look at the S&P 500 at 2,000 and the DOW at 17,000 and feel that they have missed

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Investing in the New Year

October 1, 2013 Scott Neal 10 year average, 10 year average of the S&P 500 index, absolute return strategy, asset, asset allocator, bond, bond value, buy-and-hold investor, close net asset value, current bull market, discount brokerage firm, Doug short, downside, downside risk, ETF, experience self, father of behavioral economics, grow universe, grow universe of exchange, incur transaction cost, interest rate rise, investment, investment of respectable size, investor, long bull market, loss ring, market fall, memory of risk, midst of the long bull market, miss market gain, move counter, movement of an index, new year, past gain, portfolio, pretty wide array, pretty wide array of ETF 's, Princeton professor of psychology, remember self, respectable size, return strategy, risk tolerance, S&P 500, S&P 500 index, Scott Neal, self, serious downturn, short term bond, stock, stock market, term bond, traditional openend, turn of the calendar, vast majority of advisor, wealth preservation

According to Daniel Kahneman, Princeton professor of psychology and the so-called father of behavioral economics, it is our “remembering self”

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Fine Wine and Estate Planning

September 1, 2013January 20, 2017 Scott Neal ability of a spouse, advantage of the current situation, American taxpayer relief act, asset, beneficiary, capital gain tax, client 's assumption, counsel, date of death valuation, death valuation, decant, eliminate estate, estate plan, estate tax, exemption, exemption permanent, favorite libation, fine wine, gain tax, gift tax, good estate plan, important control issue, important provision of the law, irrevocable trust, large exemption, libation, live trust, minimize tax, model estate, new trust, portability, portability of the exemption permanent, provision, qualified legal counsel, Scott Neal, tax basis, tax code, taxpayer relief act, trust, trust asset, trustee, trustee 's power, unused exemption, valuation, well-drafted, well-drafted trust

As financial planners, we routinely model estate plans to determine if they meet the goals and objectives of our client.

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A Mid-Year Assessment

June 1, 2013March 28, 2017 Scott Neal ►, 10, 10 year treasury, 15.1% year, advisor, allocation, assessment, asset, asset allocation, asset class, Barclays 10 year treasury index, bet, current investment, endogenous risk, expectation of return, forecast, forecast of sort, historical data, interest rate yield rise, investment, investment strategy selection, investor, long run average, middle of huge structural change, optimal portfolio, outsized return, outsized return of the U.S. stock market, policy risk, portfolio, portfolio optimization, price of bond, run average, S&P, Scott Neal, short term volatility, static asset allocation, strategy, structural change, subjective view of the structural change, term question, term volatility, traditional analysis, traditional analyst, traditional portfolio theory, treasury index, unit of risk, volatility, wide band of short term volatility, wrong most, wrong most of the time

Some of you may look at the outsized returns of the U.S. Stock Market for 2013 (S&P is up 15.1%

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The Ultimate

June 1, 2013 Calvin R. Rasey advisor, amount of premium, amount subject, asset, beneficiary, benefit tax, Calvin, Calvin R., cash, cash balance plan, cash value, cost of pure insurance protection, death benefit, dollar, exclusive benefit of employee, income tax, insurance, insured, insured 's estate, investment, investment advisor, IRA, life insurance, life insurance premium, life insurance premium pre-tax, LLC, P.S., P.S. 58, P.S. 58 cost, permitted investment, plan participant, plan principle purpose, plan principle purpose of provide retirement benefit, pre-tax, pre-tax dollar, premium, profit share plan, provide retirement benefit, purchase life insurance, pure cost, pure cost of the death benefit, QRP, QRP pay premium, qualified plan, qualified retirement plan, R., Rasey, retirement, retirement plan, service II, traditional defined benefit

Do you ever wish you could pay your life insurance premium with pre-tax dollars while keeping your benefit tax free?

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