Suppose you were born in 1952 and your grandparents had scrimped and saved $10 a month for you during the first 18 years of your life. Had this investment averaged 8% every year until your retirement at age 65, this relatively small investment of $2,160 would be worth $203,632.61! Albert Einstein was once asked, “What…
Read more
What is going on with all this inflation? The Fed is telling us this is all transitory and to not worry. The question is, what does that mean and how does it affect us? For the most part, I believe they are right. Inflation is transitory, just not in the way you think. I was…
Read more
Imagine two trains headed directly toward each other on the same track—their names: Inflation and Deflation. Which one will win? Aaron Kennedy, CFA®, CFP®, CLU®, CHFC® You may have noticed the price of goods has gone up, some dramatically. There is no denying that we are seeing inflation today. There is no doubt that there…
Read more
The U.S. markets have recently hit another all-time! Should you be celebrating… or worried? Every year the list of “Reasons Not to Invest in the Stock Market,” originating in 1934, is updated. Market highs are a reoccurring theme throughout – others on this list had to do with legislation, politics, economies, or world disasters. Yet…
Read more
We’ve all heard the old adage, “Don’t put all of your eggs in one basket.” These words speak truly great advice and have led to many a success. However, it has led many others to scratch their heads and wonder, “So, what baskets should I use? And how many are we talking about?” In this…
Read more
Chief Financial Officer (CFO) – noun: The person responsible for managing financial actions of a company. Duties include tracking cash flow and financial planning as well as analyzing the company’s financial strengths and weaknesses and proposing corrective actions. – Investopedia.com Okay. You may not own a company – or maybe you do – but that’s…
Read more
Global financial crisis • stocks crash • global pandemic • record unemployment • foreclosures rise • banks collapse • markets in disarray • Wall Street panic • billions lost • retiree benefits take another hit • your state is bankrupt • Ebola outbreak • deep recession • lost decade • jobs crisis • housing bubble…
Read more
Google How many types of trusts are there? and I dare you to find an exact number. The point is that there isn’t one. There are three primary classes of trust (Revocable, Irrevocable and Testamentary). Beyond that, though, there are dozens of trusts at the very least. Just to rattle off a few… · Revocable…
Read more
You’d almost have to live in a cave to not realize that times are tough right now. And under these uncertain conditions, people are hoping to find the perfect investment—one that’s safe, but offers an outstanding return. Our experience tells us that there is ultimately only one perfect investment—family. As a Life Planning firm, we…
Read more
These past couple of weeks have been treacherous for the markets. Between the media, coronavirus, the media, the primaries, the media, Saudi and Russia’s oil feud, and the media…market volatility came back with a vengeance. We don’t believe the markets are headed for doom and gloom. Two weeks ago, we wrote a piece on why…
Read more
Securities offered through Calton & Associates, Inc. member FINRA and SIPC, a Registered Investment Adviser. Investment advisory services offered through Smart Money Group, LLC, a Registered Investment Adviser. Smart Money Group, LLC and Kennedy Financial Services, Inc. are not owned or controlled by Calton & Associates, Inc.