Morningstar expects a $1Trillion shift in assets if advisors put their clients’ best interests first

12/01/2015 Earlier this year, the U.S. Labor Department (DOL) proposed a rule that could shift an estimated $1 trillion in assets toward low-cost, passive investment products, according to a recent report by Morningstar Inc. The proposed DOL rule,...

How to Take Control of Your Finances after Divorce

  11/9/2015 Evan Miller, CFP® and Partner at FMB Wealth Management, is a CDFA™ or Certified Divorce Financial Analyst®. He specializes in helping people who have gone through or are going through divorce to coordinate their financial affairs and...

If Donald Trump invested his inheritance in index funds, he might have been a much wealthier man

10/27/2015 FMB Wealth Management does not endorse or recommend any candidates for presidential or any other office. This article is for editorial purposes only and does not serve as political commentary on any candidate’s qualifications for...

5 Reasons to Keep Calm When the Stock Market Takes a Dive

10/20/2015 In August, investors saw some of the U.S. stock market’s worst days in years. Even investors and media pundits who are known for their long-view approach to investing began to make irrational choices with their investments.  Stocks rise...

Fed Says It Won't Raise Interest Rates for Now

10/09/15 The Federal Reserve announced in mid-September that it will postpone increasing interest rates for now, opting to keep rates near zero awhile longer. The Fed’s chairwoman Janet L. Yellen said, however, that interest rates are still expected...

Are Target Date Funds Right for Your Retirement Portfolio?

9/25/15 Target date funds were first designed in the early 1990s specifically with the simple retirement planners’ needs in mind. Target date funds are basic collective investment funds that become increasingly conservative as an investor’s target...

American retirement savings trends

8/28/15 Recent study reveals highs and lows of American retirement savings trends A recent Fidelity report revealed the good, the bad and the ugly when it comes to Americans saving for retirement today.  While some areas of retirement savings look...

Should I pay off my mortgage before entering retirement?

8/20/2015 At some point in your life, you might have heard that some debt is, in fact, “good” debt. A home mortgage, for example, is a type of debt that can be advantageous to have on your balance sheet under certain circumstances, particularly when...

The backdoor to a Roth IRA is still open…for now

The backdoor to a Roth IRA is still open…for now 08/13/15 The Roth IRA was revolutionary when it became available nearly two decades ago. That’s because retirement accounts traditionally have been a method of deferring taxable income, with eventual...

How Does Greece’s Debt Crisis Impact Average Investors?

How Does Greece’s Debt Crisis Impact Average Investors? When Greece’s debt crisis reached its peak several years ago, many feared that the repercussions of Greece missing its debt payments and the possibility of it exiting the Eurozone would fare...

Pages

The FMB Blog

Off to College: Books, Bedding and a Power of Attorney?

9/11/17 When your child prepares to head off to college, putting a power of attorney in place for them is likely the last thing on your mind. After all, they’re just about to test the waters of adulthood, of true independence, and there’s so much...

Financial Planning Steps after Losing a Spouse

8/15/17 Nothing can prepare you for losing your spouse. If you have recently been widowed, the world seems to demand rapid response to weighty decisions at every turn. Among the hardships of losing a spouse are legal decisions, financial pressures...

Are You Prepared for a Market “Correction”?

6/30/17 Before we proceed, let’s get two things straight: First, there is no such thing as a “correction”. When buyers and sellers agree on a price, that is the correct market price. However, there have been and will be large market price declines...

DOL’s Fiduciary Rule Goes into Effect on June 9

6/1/17 After a 60-day delay from its original schedule, the Department of Labor’s (DOL) fiduciary rule – an investor-protection law created under the Obama administration – is now set to go into effect on June 9, 2017. Many investors are wondering...

The Uncertainty Paradox

5/11/17 “The market hates uncertainty” has been a common enough saying in recent years, but how logical is it? There are many different aspects to uncertainty, some that can be measured and some that cannot. Uncertainty is an unchangeable...