Byron Moore, CFP® and Mike Jones

Wisdom on Wealth

Four roads to retirement income

By Byron Moore, posted January 6th, 2014

The following column was published in The News Star on Saturday, January 4, 2014.

Question: I will be retiring in a few years. I will have Social Security, money in my 401(k), some company stock I’ve acquired over the years and some cash. I think I’ll have enough, but I am not sure the best way to take out money when I need it. What’s the best way to take it out?

Answer: The best way is whatever method works best for you. It doesn’t matter what anyone else does.

Investing Truth No. 4: Declining markets are riskier

By Mike Jones, posted December 16th, 2013

Most people think of investing as a personal activity that directly impacts their individual future.  However, most of what we are taught is really only applicable to investors en masse, i.e. the market-at-large, and over large periods of time.  Over the next several months I will share 10 points that I believe every investor should know prior to committing funds to any investment program.

Boy was last month's column on uptrending markets fun to write!  If markets would only go up all the time... all we'd ever have to do is read our account statements each month to see how much more money we've made.

This Christmas, give what no one else can

By Byron Moore, posted December 16th, 2013

Question:  What are you giving for Christmas this year?

Answer: Each year there's an "it" gift that everyone seems to want, yet it's often hard to find. Remember Tickle-Me Elmo?

Money is not mostly about math

By Byron Moore, posted November 15th, 2013

Question:  I've always made financial plans every few years. Looking back, none of them have ever worked out like I planned. So why plan? 

Answer:  I think you know why, but I'll take the bait.

Investing Truth No. 3: Every investor needs a trend in order to make money

By Mike Jones, posted November 15th, 2013

Most people think of investing as a personal activity that directly impacts their individual future.  However, most of what we are taught is really only applicable to investors en masse, i.e. the market-at-large, and over large periods of time.  Over the next several months I will share 10 points that I believe every investor should know prior to committing funds to any investment program.

One of the oldest sayings in the investment world is "the trend is your friend." Every investor needs a trend in order to make money.

Here's why.

Want to change your life? Change your behavior

By Byron Moore, posted October 15th, 2013

Question: My husband and I are just paying so much in interest. We did not qualify for a super low mortgage rate and we pay over $1000 a month in car notes. And we have some credit cards we never seem to pay off. What's the best way to get lower interest rates?

Answer: Everybody wants to go to Heaven, but nobody wants to die to get there.

Investment Insights: 3rd quarter, 2013 review

By Mike Jones, posted October 15th, 2013

Welcome to the first ever Wisdom on Wealth quarterly portfolio review!  Just a word to begin: while all investors certainly can find this information insightful, I've written this specifically for clients invested in one of our statistically driven, dynamic asset allocation models.

Investing Truth No. 2: You haven't completely missed the boat!

By Mike Jones, posted September 19th, 2013

Most people think of investing as a personal activity that directly impacts their individual future.  However, most of what we are taught is really only applicable to investors en masse, i.e. the market-at-large, and over large periods of time.  Over the next several months I will share 10 points that I believe every investor should know prior to committing funds to any investment program.

Last month I discussed secular bull and bear markets and showed how "successful" investing is contingent on your birthday. Recall that when you begin investing--because of the long term cycles experienced in the market--often impacts returns far more significantly than what you invest in.

What to do when feeling financially frazzled

By Byron Moore, posted September 19th, 2013

Question: I am dealing with some financial pressures that I've never had before. As a result I am just totally overwhelmed. Some days I can hardly get any sleep. Any advice?

Answer: Some financial stress is fact of life in our modern world. Normal.

Are you working with an advisor or a salesman?

By Byron Moore, posted August 15th, 2013

Question: I get zero attention from my broker.  I know my account is not his biggest, but I always have to call him to suggest changes, and that's if I can get him on the phone.  Isn't he supposed to be advising me, not the other way around?

Answer: Actually, no. That's not his job.

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