New poll finds that many adults are flying blind into retirement

New poll finds that many adults are flying blind into retirement According to a new survey by the Indexed Annuity Leadership Council, more than half of all U.S. adults have never spoken with a financial advisor to ensure they are saving enough to...

Timeless Tips on Tax-Wise Investing Part II: You and Your Tax-Wise Team

Timeless Tips on Tax-Wise Investing Part II: You and Your Tax-Wise Team   In Part I of our series on Tax-Wise Investing, “You and Your Investments,” we explored how to engage in year-round tax-wise investing by adopting your own best practices as...

Timeless Tips on Tax-Wise Investing Part I: You and Your Investments

Timeless Tips on Tax-Wise Investing Part I: You and Your Investments   While “tax season” may imply that there is an optimal time to think about your income taxes, the best way to minimize your annual “pay-triotic duty” is to engage in year-round...

How to Protect Yourself from Outliving Your Money in Retirement

How to Protect Yourself from Outliving Your Money in Retirement In 2015, the average life expectancy for Americans is 79 years old, more than 10 years older than the average life expectancy was in 1950.  Also, in just 15 years, an expected 70...

Physical and Financial Health Go Hand in Hand

Generally, good health indicators involve factors such as diet, exercise, sleep patterns, and tobacco use.  Focusing on these direct, physical measurements of health is often the only way predictions are made about a person’s health habits and...

The Pros and Cons of a Stronger Dollar

In the past few months, the dollar has strengthened enormously against the euro, the pound and the yen. But for the United States, a stronger dollar is not always as good as it sounds. The dollar is now the strongest it has been against more than...

Retirement or college: Which is a parent to save for first?

Retirement or college: Which is a parent to save for first?  Conventional wisdom tells parents to make saving for their own retirement a priority over saving for their children’s college education. Parents, however, are doing just the opposite,...

Public pensions could be on the chopping block in California

Public pensions could be on the chopping block in California Public employees in California are nervous that their comfortable retirement plans may diminish as expensive pensions have come under fire in an effort to help the state’s financially...

Obama’s proposed IRA regulations could help retirement savers

Obama’s proposed IRA regulations could help retirement savers New rules from the White House could soon impose fiduciary duty on financial advisors to stop rogue investment brokers from bilking their clients. In late February, President Obama...

Embracing Imperfection

Below is a article written by Jim Parker of Dimensional Funds Advisors  Embracing Imperfection New Year's resolutions often involve making promises to ourselves we can never keep. But instead of tilting at windmills, we can often generate better...

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The FMB Advisors Blog

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...

Charitable Giving Under New Tax Laws: Understanding the Donor-Advised Fund (DAF)

2/28/18 No matter how the 2017 Tax Cuts and Jobs Act (TCJA) may alter your tax planning, we’d like to believe one thing will remain the same: With or without a tax write-off, many Americans will still want to give generously to the charities of...

5 Hallmarks of Great Financial Advice

2/12/18 You may think the best financial advice is that which makes you the most money. Think again. You may get lucky on bad advice but at some point, the luck will run out, putting your financial future into jeopardy. Separate the good from the...

Protecting Investment Accounts from Cyberattacks

1/19/18 Hackers have dismantled hospitals, held a North Carolina county’s computer system hostage, and stolen the personal information of basically half of all Americans. And that was just in 2017. Who’s to say they won’t go after investment...