Monthly Archives: August 2012

Fee-Based or Fee-Only? Does it Matter?

By David K. Luke | Published: August 29, 2012
The Dodd-Frank Wall Street Reform and Consumer Protection Act passed without requiring a universal fiduciary-duty rule. Such a rule would have required broker-dealers (Merrill Lynch, Morgan Stanley, Wells Fargo Advisors, etc.) to be held to the same standards as investment advisers. Now the SEC must interpret the law’s meaning. The heart of the debate is [...]
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Trading Frequency: Can Less Be More?

By Bob Christenson | Published: August 28, 2012
When I explain Net Worth Advisory Group’s “Best Stock, Best Funds” investment strategy, people sometimes question why we only update our portfolio holdings once a year.   Some people wonder if I am earning my management fee if I don’t make changes more frequently. In reality, study after study concludes that when it comes to portfolio [...]
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Should You Delay Taking Social Security?

By Lon Jefferies | Published: August 2, 2012
While taking withdrawals from your portfolio to cover your expenses while you maximize your Social Security payments is an attractive alternative to purchasing an income annuity from an insurance company, I wouldn’t recommend such action to everyone. The media is currently buzzing about how you should delay taking Social Security until age 70 in order [...]
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Why Purchasing an Income Annuity Isn’t Wise

By Lon Jefferies | Published: August 2, 2012
Guaranteed income annuities (also known as immediate fixed annuities) are becoming increasingly popular as a result of recent stock market volatility. When you purchase an income annuity, you give an insurance company a lump sum of money and they send you a check for a fixed amount every month for as long as you live. [...]
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