Surviving the Financial Stress Test

When making financial planning and investment decisions, we believe that it is important to consider the probability of negative outcomes. We call this "stress-testing" a financial plan. By stress-testing financial planning assumptions, we are able to help our clients identify and protect against financial risks that could derail their financial plans.

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Long Term Care Insurance—Is it time to consider a hybrid?

Normally, when someone mentions hybrids they are referring to fuel-efficient, money-saving cars. Like hybrid cars, the intention of hybrid long term care insurance policies is to provide cost-saving insurance coverage by combining both life insurance (or an annuity) with long term care coverage.

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Has Investor Complacency Arrived?

With over 20 years in the investment industry, we have helped clients navigate through a number of economic and market cycles. Through the years, we have developed our own set of descriptive names that are used as an indication of where we are in the market cycle. These names are generally based on client emotions and range from “malaise” to “exuberance”. Currently, we are in what we call the "investor complacency" phase.

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