You, Your Financial Well-Being and the Federal Reserve

12/16/2015   It’s been nearly a decade in the making, but time has finally come: On December 16, 2015, the U.S. Federal Reserve (the Fed) raised the federal funds rate by 0.25 percent. In and of itself, it’s a small move. But it’s being reported as...

Year-End Retirement Planning Tips

  12/08/2015   As 2015 draws to a close and the new year approaches, there are several important tax and retirement planning deadlines to be aware of for retirement savers and retirees of all ages. Some dates are crucial to obtaining certain tax...

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...

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The FMB Advisors Blog

An Evidence-Based Approach to Sustainable Investing

7/19/18 Part I: Setting the Sustainable Stage                              If there’s one trait most of us share, it’s a desire to make the world a better place. No wonder there’s so much interest in sustainable investing. Who wouldn’t want to try...

The Impact of Inflation

6/21/18 When the prices of goods and services increase over time, consumers can buy fewer of them with every dollar they have saved. This erosion of the real purchasing power of wealth is called inflation. Inflation is an important element of...

It’s Time to Get Serious About Your Happiness

5/24/18 There’s a great quote by Jean-Paul Sartre: “We are our choices.” When it comes to our happiness and our overall success in life, that’s truer than you might have realized. Taking time to examine the choices you make in your life and work...

Sailing with the Tides

4/17/18 Embarking on a financial plan is like sailing around the world. The voyage won’t always go to plan, and there’ll be rough seas. But the odds of reaching your destination increase greatly if you are prepared, flexible, patient, and well-...

10 Things To Do Right Now While Markets Are (Not Really) Tanking

  4/02/18 “This is a test; this is only a test. Had this been an actual emergency …” The truth is, the markets are not tanking as we write this piece. In fact, overall market temperatures have been so mild for so long, many newer investors have...