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From the desk of Matt Krajniak......


Insights and Updates

Is it Time to Panic Yet?   Thumbnail

Is it Time to Panic Yet?

Warren Buffet once famously said, “Forecasts may tell you a great deal about the forecaster; they tell you nothing about the future.” I’ve been getting a number of questions in the past few weeks about what I think is going to happen in the market. Is this a good time to sell? Do you think the market is going to keep going down? Should I be putting money in?

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Financial Planning for Fat People

My morning routine is pretty much the same most days. I hit the snooze on the alarm, and within a few minutes the dog gets annoyed enough that he jumps on the bed and pulls the covers off me. I start the coffee (always with fresh-ground beans), crack some eggs, and make a big breakfast of pancakes, bacon, and the occasional cinnamon roll…. At least, that’s what I’d like to have for breakfast, but nowadays more often than not it’s oatmeal or yogurt with some granola sprinkled on top.

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Tips for Investing—Learn to Understand the Risks Thumbnail

Tips for Investing—Learn to Understand the Risks

I’ll just come out and say it. Expecting your investments to consistently pay off big time is just not realistic.Your coworker that has made 40% in their 401(k) last year was lucky (assuming they’re calculating their return correctly in the first place), and they’re most likely conveniently forgetting how much they have lost in other years. We all have a tendency to remember our successes and forget times we’d rather not relive. The S&P 500 lost over 53% of its value between October of 2007 and March of 2009, and some noted institutional investors went down with the ship, so to speak.In short, hoping to get lucky with investments is not a strategy that will work consistently, so it’s simply a bad idea to rely on it. It’s time, not timing, that will make the biggest impact. So now that we’re depressed about the lack of possibilities, where do we start?

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What is financial goal planning? Thumbnail

What is financial goal planning?

Financial planners often start a conversation with their clients by discussing goals. Most often, the discussion touches on the words “retirement” and “risk tolerance,” but all too often it doesn’t go any further into detail. Talking about your goals feels like it should be an easy thing, but in reality it can be difficult to do since it’s not something we naturally think about in depth.

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The Importance of Investing Money Thumbnail

The Importance of Investing Money

According to the U.S. Bureau of Labor Statistics, in 1991 approximately 35% of employees were participating in a defined benefit plan of some kind—generally speaking, they were offered a pension plan when they retired. That number shrunk to about 25% ten years later, and to about 17% by 2011.In “the good old days” an employee could count on a combination of Social Security checks and pension plan benefits to fund their retirement (assuming big bills such as a mortgage were paid off, of course). All that remained was to own a bit of stock or a few bonds, which could be sold off to provide extra cash when needed.

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How to Define Your Financial Position Thumbnail

How to Define Your Financial Position

According to the CFP Board, the financial planning process can be broken down into a number of steps and areas. It always starts with a conversation to define the relationship between advisor and client. You need to be on the same page with your professional about the scope of what you hope to accomplish. Later in the process are the fun things such as implementation and monitoring (stuff like picking appropriate investments or having review meetings where you get free Nespresso coffee). Pretty early on, though, you should be working with your advisor to gather data—a lot of it. What we’re trying to help you do here is to define your financial position. So let’s take a look more in depth at that.

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Autocross and Financial Planning Thumbnail

Autocross and Financial Planning

An allegory of financial planning through the guise of racing cars. If anyone knows Matt really well, they know "everything" reminds him of Financial Planning. Here is just another instance of his love for Financial Planning and Cars.

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How Many Financial Planners Should I Have? Thumbnail

How Many Financial Planners Should I Have?

One of the more common ideas I hear from a client is that, “I don’t want to move all of my money to you. I have another guy and I want to see how you both do.” This creates some problems. Having multiple investment advisors generally leads to inefficient portfolios, a lack of cohesive strategy, sometimes poor relative performance in down markets, higher costs, more meetings with less value, and worst of all your actual goals

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Is Fee Disclosure Important? Thumbnail

Is Fee Disclosure Important?

We think it would be helpful to have a few highlights of what to be aware of. For starters, all mutual fund investments have an internal cost. It doesn’t matter whether you have no-load index funds or a 401(k). There is always an internal expense ratio that you may not find on your statement.

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Investing in Stock and the Planning Challenges it Represents Thumbnail

Investing in Stock and the Planning Challenges it Represents

Don’t sweat it if you missed out on “that big trade.” Sometimes reducing portfolio risks by simply not taking them unless necessary is the smartest decision. Just remember that hindsight is 20/20. For every investment that pays off, there is another that failed.

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Social Security Retirement and Disability Benefits Thumbnail

Social Security Retirement and Disability Benefits

Did you know that Social Security is the most common source of retirement income? Many retirees depend on the steady payments as a major source of their retirement income, but there are other types of benefits as well. I get asked about this topic quite often, so I thought I’d tackle some of the more common questions.

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We Lose Sleep so You don't have to Thumbnail

We Lose Sleep so You don't have to

Working with a financial planner provides value and comfort so that you can use your time to do the things you need to do instead of watching what the market is doing

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