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Wealth Advisors with Heart Features Robert & Band of Brothers Charity Organization

Robert was recently featured by WealthManagement.com as a Wealth Advisor with Heart for philanthropic work with his Band of Brothers nonprofit organization. When Typhoon Haiyan hit the Philippines and devastated Molocabac Island in November 2013, Band of Brothers sprung into … Continue reading

Understanding Risk Tolerance

How’s your ability to withstand short-term losses? This is the question at the core of any discussion of risk tolerance. Some people are able to ride through turbulence in the financial markets with a shrug while others suffer headaches. Many … Continue reading

The First RMD from Your IRA – What You Need To Know

When you reach age 70½, the IRS instructs you to start making withdrawals from your Traditional IRA(s). These IRA withdrawals are also called Required Minimum Distributions (RMDs). You will make them annually from now on. If you fail to take … Continue reading

Minimizing Probate When You Set Up Your Estate

Probate subtly reduces the value of many estates. It can take more than a year in some cases, and attorney’s fees, appraiser’s fees and court costs may eat up as much as 5% of a decedent’s accumulated assets.    What … Continue reading

An Essential Estate Planning Checklist

Estate planning is a task that people tend to put off, as any discussion of “the end” tends to be off-putting. However, those who die without their financial affairs in good order risk leaving their heirs some significant problems along … Continue reading

Why Life Insurance at a Young Age May Be a Good Idea

You may have read that you don’t need to buy life insurance early in life. That’s not necessarily true. In fact, getting a policy before midlife may prove wise. Relatively few people opt for life insurance coverage between the ages … Continue reading

What You Need to Know About Fixed Indexed Annuities

Fixed indexed annuities can be very useful investments. As the name implies, FIAs are fixed annuities with a rate or return linked to the performance of a stock market index (often the S&P 500). Because of this stock market exposure, … Continue reading

What is Mortgage Term Insurance?

A potential “helping hand” for a homeowner’s heirs. No one wants to saddle their heirs with the hard choice of paying off an unsettled mortgage or selling or losing a home. A mortgage term life insurance policy can provide relief … Continue reading

The Basics of Life Insurance

When it comes to life insurance, there are many options. You may have heard terms like “whole life insurance,” “term insurance,” or “variable insurance,” but what do they really mean? And what are the differences between them? Well, first let … Continue reading

Women & Money: Shifting the Focus from the Short-Term to the Long-Term

How many short-term financial decisions do you make each week? You probably make more than a few. They may feel routine. They may demand your attention, day in and day out. Yet in managing these day-to-day issues, you may be … Continue reading