NoBody Knows – And That is Why You Diversify

asset class returns

– Nobody knew that the yield on the 10 year Treasury would keep going down. – Nobody knew that the price of a barrel of oil would drop by 55%. – Nobody knew the Russian ruble would crash. – Nobody knew that Japan would dip into a technical recession. – Nobody knew that Europe’s tentative […]

Women and Clothes Shopping – 25 Tips to Take Control


There was a time when men’s grooming and fashion was as complicated as women – but that time is long gone. Today, women probably spend 4 x as much as men on their appearance and unwittingly get caught in the trap of trying to keep up with the fashion and beauty industry. Clothes shopping can […]

A Few Of My Favorite Reads in 2014

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I’ve loved reading all my life. I can remember lying on my bed as a girl with my head deep into a book while chaos swirled around me in the cramped house I grew up in with five siblings. I read through most of the Bobbsey Twin and all the Nancy Drew mysteries and then […]

Women: Look Out For Yourself When It Comes To Money

© Bag Lady by Joyce Wynes

Women have something in common when it comes to their money: At some point in their lives, they will need to manage it on their own. Women are marrying later or never marrying, at a higher rate than ever, with marriages down 60 percent from 1970.* The divorce rate in the U.S. remains high, at […]

Cultivating a Healthy Relationship with Money

Photo by Sunset Girl, Unsplash

Cultivating a Healthy Relationship with Money Cultivating a healthy relationship with money is the foundation of a rich and happy life. Just like any other relationship, for your money to prosper and grow, it needs attention and care. You don’t want to smother it with worry and fear, but you also don’t want to be […]

Stocks and the Retiree Next Door


54% of the successful retirees who took the recent retiree next-door survey, named stocks as their highest performing asset class but in the same survey, stocks took first place on the list of top 10 financial missteps. As a financial advisor with two major market downturns under my belt, this doesn’t surprise me. The truth […]

5 Ideas to Protect Your Email Accounts From Cypercriminals

Rayi Christian W

We all know that hackers and cypercriminals are out there and probably not going away anytime soon. In fact, their crimes, like the recent Russian hacking incident, get bolder all the time. The truth is that criminal networks are conspiring round-the-clock to hack into our email accounts to find ways to steal our money! A […]

5 Money Worries Every Boomer Woman Understands

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As a financial adviser, I hear firsthand what boomer women worry about. Of course, all women are not alike: We have unique lifestyles, careers and aspirations. Still, getting older seems to yield surprisingly similar financial worry-lists for us. Here is a list of the top five fears that my clients bring me, and some ideas […]

Corrections are Inevitable

roller coaster

As you open your account statements and see your balance go up month after month you breath a sigh of relief. But, then your next thought is when will it end? It’s true that we are experiencing an unusually long bull market. At of the end of June, the Standard & Poor’s 500 index has […]

How To Deal With Those “Old” 401(k)’s


There’s no shame in having multiple 401(k) accounts — it’s an indication that you’ve been committed to saving for retirement  over the course of your work life.  However, what may give you a justifiable twinge of guilt is ignoring them. If you are guilty as charged, you’re not alone. Half of the people who change […]