Byron Moore, CFP® and Mike Jones

Wisdom on Wealth

Future hard to predict

By Byron Moore, posted June 2nd, 2014

The following column was published in The News Star on Saturday, May 30, 2014.

Question: I heard an economist say that 2014 would be a year of very slow growth? If that’s true, what does it say about the stock market?

Answer: Stop trying to aim at a target you can’t see. Doing so usually results in harm to yourself or others.

Podcast - Don’t fear…focus

By Byron Moore, posted May 28th, 2014
The following segment first aired on KEDM 90.3 on Wednesday, May 21, 2014.
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What are the ingredients for a good financial plan?

By Byron Moore, posted May 27th, 2014

The following column was published in The News Star on Saturday, May 24, 2014.

Question: Can you tell me what really makes for a good financial plan? I’m not really sure what all I should try to plan for. What do most people do?

Answer: What do most people do? Nothing.

Podcast - Welcome to the new normal

By Byron Moore, posted May 22nd, 2014
The following segment first aired on KEDM 90.3 on Wednesday, May 7, 2014.
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Plan like a pessimist, live like an optimist

By Byron Moore, posted May 19th, 2014

The following column was published in The News Star on Saturday, May 17, 2014.

Question: I like to consider myself as a positive person. I don’t want to be negative about myself or my future. But when I look around at what’s going on in the world and in our country, it’s hard not be somewhat pessimistic. Is my newfound pessimism justified, or am I just getting to be an old curmudgeon?  

Answer: Curmudgeon? No. Let’s just say you’ve got a case of emerging maturity.

Investing Truth No. 7: Diversification works... until it doesn't

By Mike Jones, posted May 15th, 2014

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.

I use the Risk/Reward Continuum (pictured below) when discussing or explaining investments and the need for diversification with clients.  It gives a great visual for demonstrating how to spread out risk as well where certain asset classes fall along the continuum.

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On feeling insurance poor

By Byron Moore, posted May 15th, 2014

Question: I pay a lot of insurance premiums and sometimes I just feel insurance poor. Is that unusual?

Answer:  Sometimes stupid things spoken by clever people can sound very wise.

Podcast - Enemy of investing success: human nature

By Byron Moore, posted May 13th, 2014
The following segment first aired on KEDM 90.3 on Wednesday, April 30, 2014.
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myRAs and 401Ks – what to do?

By Byron Moore, posted May 12th, 2014

The following column was published in The News Star on Saturday, May 10, 2014.

Question: I wanted to know your thoughts on the new “myRA” that should be rolling out this year.  I have a 401k with my current employer but really like the idea of principal protection even with the small amount of return.  I'm 33 years old with approximately 30k total in both accounts.  My 401k is set for medium risk with a 3% deposit with 3% match.  Should I be more aggressive?

Answer: You’re asking about whether to throw deep or run it up the middle during the first quarter.

Podcast - Labels on financial products

By Byron Moore, posted May 9th, 2014
The following segment first aired on KEDM 90.3 on Wednesday, April 23, 2014.
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