Byron Moore, CFP® and Mike Jones

Wisdom on Wealth

Beware the phantom

By Byron Moore, posted February 6, 2017
Originally published in the News Star and the Shreveport Times on Sunday, February 5, 2017.

family beach_sm.jpgQ: My husband and I both have good jobs. We have a young family and even though we have a nice life, it isn’t like we have a ton of money left over every month. But we’ve got friends that just seem like they are always taking nice vacations, driving new cars and live in really nice neighborhoods. Are they just up to their ears in debt? Is there something we are missing?

A: Yes there is. You may be missing your own life.

So…beware the phantom.

The phantom does not exist, but she is very, very real. The phantom is every person you know wrapped into one, but featuring only the best aspects of their lives.

Podcast - Titanic – make sure you have enough life boats (3:03)

By Byron Moore, posted February 2, 2017

The following segment first aired on KEDM 90.3.

How are the lifeboats on your financial ship?

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Career path – not so different from school years

By Byron Moore, posted January 30, 2017
Originally published in the News Star and the Shreveport Times on Sunday, January 29, 2017.

college freshman_sm.jpgQ: I am just getting started in my career. I want to make sure I’m doing the right things so that I can be taken seriously and maximize my opportunities. Got any advice for me?

A: Remember your freshman year in high school?

Yeah, that’s too painful to recollect, so let’s go straight to your freshman year of college. If you are new to your career, I assume your freshman year in college was just four or five years ago.

Trust me…on blinding, binding and unwinding

By Byron Moore, posted January 23, 2017
Originally published in the News Star and the Shreveport Times on Sunday, January 22, 2017.

money vault_sm.jpegQ: I am getting on up there in age and my children want me to put my assets in a trust. They say it will protect me and also keep the government from taking my money if I go into a nursing home. Is that true? Is it worth it? Sounds like a lot of trouble to me.

A: It is a lot of trouble. The question for you to answer is…is the trouble worth it?

Every time we put a new president in office, a phrase re-emerges into the popular lexicon that we haven’t used in four to eight years…”blind trust.”

The year ahead: hopes and fears

By Mike Jones, posted January 20, 2017

As we begin 2017 many research reports have crossed my desk predicting and prognosticating just how this year could play out.  All we know at this time is the number of variables is seemingly very wide. 

Podcast - Do you have an advisor or a salesman? (2:43)

By Byron Moore, posted January 19, 2017

The following segment first aired on KEDM 90.3.

Our financial system allows for both brokers and advisors, probably because both have useful (if different) roles to play. Just make sure you know which one you’ve got and which one you need.

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Should I co-sign my grandchild’s college loan?

By Byron Moore, posted January 17, 2017
Originally published in the News Star and the Shreveport Times on Sunday, January 15, 2017.

granddaughter college_sm.jpgQ: My granddaughter has been through a lot. Her parents divorced and she has struggled in school. She wants to go to college, but neither parent has enough money to send her. She can get a loan to go to college, but she says I will have to co-sign for her to get it. It won’t cost me anything to co-sign so I don’t see what the harm is. What do you think?

A: I think you need to ask a lot more questions. Or you might get an education you didn’t count on.

Podcast - A plan with no implementation may be worse than no plan at all (2:51)

By Byron Moore, posted January 12, 2017

The following segment first aired on KEDM 90.3.

Most of us need a planner and a coach. Find someone who will not only give you a plan, but will coach you through the implantation process and keep you on target.

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401K plans – route to a rosy retirement?

By Byron Moore, posted January 9, 2017
Originally published in the News Star and the Shreveport Times on Sunday, January 8, 2017.

Blueprint_sm.jpgQ: I’ve been at my new job for enough time that I can now participate in my company’s 401K plan. I’ve heard mixed messages about these things. But if I don’t do a 401K plan, what else is there to prepare for retirement on day?

A: When you decide to build a new house, what’s the first thing you should do – go hammer shopping?

Podcast - Is there air in your (financial) spare? (2:31)

By Byron Moore, posted January 5, 2017

The following segment first aired on KEDM 90.3.

You’ll never have quite the feeling of warmth wash over you as when you experience a financial flat tire, open the trunk and there it is...that gorgeous, beautiful, spare tire...full of air and ready to roll.

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