In fact, this can be anyone’s Hedge Fund alternative since it has few financial qualifications and a $10,000 minimum investment ($25K in TEXAS). The maximum investment is $1 million. Truth be told… it’s not a hedge fund at all. It’s a special type of annuity. Issued by a few highly-rated insurance companies. But hedge funds are “sexier” and annuities are boring – but not these! In this, what I call a “fixed income (bond) hedge fund alternative”, your worst return … Continue reading

The following is an excerpt from Ben Carlson’s, CFA blog post on June 4, 2020. I really enjoy his writing and historical perspectives and wanted to pass it along to my readers. “Once you start digging into the historical numbers you begin to realize the stock market is even crazier than advertised. Surprisingly, huge up and down moves happening in the same year is not that out of the ordinary. The Great Depression crash which began at the tail end … Continue reading

Self-Employed with No Employees? Get Your COVID-19 Cash Now Get ready for this: “I’m from the government, and I’m here to help.” Here’s the deal: “I’m going to give you $20,833 today. I want you to give me $5,448 no later than two years from now. You can keep the $15,385 difference, tax-free—no strings.” It’s true. The lucky recipient could be you. To obtain the full $15,385 tax-free cash result in this deal (one of many COVID-19-related assistance programs), you … Continue reading

It’s always fun to be quoted in the national press. I guess I showed up on cnbc.com last week. Good fun during quarantine!! The article is about ways to avoid/dampen “sequence of return risk” while withdrawing savings during your retirement. Using a reverse mortgage is just one solution. There are others that I spoke about to the reporter that didn’t make it in print… BUT are part of many “retirement income roadmaps” that my clients hire me to design for … Continue reading

COVID-19: New SBA Loans for Small Businesses The COVID-19 pandemic has upended all aspects of life around the world, including the world of business here in the U.S. If your business is struggling, you may be able to get some help from the federal Small Business Administration (SBA), which is authorized to provide loans to small businesses on an as-needed basis. There are two types of relief you can apply for—read on. Economic Injury Disaster Loans Traditionally, low-interest SBA Economic … Continue reading