SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Third Quarter Market Review: Broken Record When sharing Dimensional’s Quarterly Market Review last quarter, we commented on how it had been a long time since the summary page had depicted nothing but green arrows of positive returns. With a few minor variations in the score, we could almost just point to last quarter’s commentary and repeat ourselves this quarter: Enjoy the positive returns while ...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Sheri’s take: As this year’s open enrollment period goes into full swing, you and your family can use the opportunity to not only review your healthcare coverage, but also to take a fresh look at life and disability insurance coverage available to you. Last week, we were pleased to share an insightful guest post on group and individual life insurance considerations, compliments of Mark Maurer, CFP...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Sheri’s take: There’s strength in numbers, especially in having a number of well-informed alliances to supplement our own financial know-how. Mark Maurer, CFP®, MBA, president and CEO of LLIS is one such alliance we’ve long maintained – because protecting the wealth you’ve already got against life’s many risks is essential to your total wealth interests. Thanks to Mark and his LLIS team for sharin...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Do you have any idea how often you pick up your smartphone throughout the day (and night)? Do you feel addicted to your phone? Are you losing your ability to focus when you read and when you work? If so, then I have just the book for you — “Bored and Brilliant: How Spacing Out Can Unlock Your Most Productive and Creative Self”, written by Manoush Zomorodi, the host of WNYC’s “Note to Self”, the te...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • It’s been hard to escape the news of the Equifax breach. Even though it happened starting in May 2017 we’re only just hearing about it. In my opinion, and others’, the company’s response to this breach has been far from stellar. Huffington Post reports: The Federal Trade Commission announced it is investigating the Equifax incident, and the Consumer Financial Protection Bureau is looking into the ...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  •         JULY,  2017 Getting What You Don’t Pay For Costs matter. Whether you’re buying a car or selecting an investment strategy, the costs you expect to pay are likely to be an important factor in making any major financial decision. TO READ MORE: OPEN PDF ARTICLE   The post Dimensional Fund Advisors: Getting What You Don’t Pay For appeared first on SageBroadview.

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • AUGUST,  2017 Quit Monkeying Around! In the world of investment management there is an oft-discussed idea that blindfolded monkeys throwing darts at pages of stock listings can select portfolios that will do just as well, if not better, than both the market and the average portfolio constructed by professional money managers. If this is true, why might it be the case? TO READ MORE: OPEN PDF ARTICL...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Dominic begins his senior year at WPI and Devon his sophomore year at the Hartt School; Dave and I return to being empty-nesters.  Sigh. As your kids or grandkids head back to school, I’ve compiled a list for your reading pleasure.  You will find some light-hearted articles, some that are thought-provoking, and some of a more practical nature: When Holding is the Hardest Part (Ben Carlson) “The ea...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Whether you’ve been working hard, hardly working, or enjoying a balance of both this summer, I’ll bet the past few months have flown by fast. They have for me, anyway, as I’ve enjoyed some (too brief!) time with my college boys, helped my husband Dave ramp up his new business, co-managed SageBroadview, and – of course – kept reading every day. So here it is, almost September, and already time to w...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • As I covered in my last post, not every early retirement fits the stereotypical mold of becoming a multimillionaire by age 30, cashing in one’s chips and heading off to paradise. Sometimes, early retirement finds you instead of the other way around. Such was the case for Jack Pasanen,  when he retired to help care for an ailing family member. Healthcare concerns struck even closer to home for our ...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • At least in its idealized version, early retirement may be among the most popular retirement models around. Who hasn’t fantasized about being the next lucky rat to exit the race? Maybe head to a Panamanian paradise, like one intrepid couple did in this US News and World Report piece. That said, real-life early retirement isn’t for everyone. As we covered in our segment on the road less retired, so...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  •   What’s the difference between a re-career versus mini-retirement versus semi-retirement? Admittedly, there’s a lot of overlap, and which path you’re on isn’t always clear except in hindsight. Re-careering, as the name implies, means retiring from one career to take up another, as Greselda Powell did in this post. Mini-retirement is more about taking a break from working, and returning to your ca...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • In my last post, I shared Greselda Powell’s transition from high-tech engineer to artisan cheese expert. Greselda’s re-career seems to be working well for her, but it’s not for everyone. For some, a mini-retirement might be preferred, in which you take a break, but resume the same or similar career when you return from your “sabbatical.” In his excellent overview of retirement, Michael Kitces desc...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • As we’ve described in our past couple of Retirement Summary posts, remaining fully employed well into your twilight years may appeal to you – or not. Either way, life doesn’t always go as planned. You may experience a life-altering event. Or you may just change your mind. When that happens, whether it’s driven by a financial or personal agenda – or both – re-careering may be preferred over retirin...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • The Road Less Retired Legend has it that news anchor Barbara Walters once asked author Isaac Asimov what he would do if a doctor told him he had only six months to live. “Type faster,” he replied. Are you one of the fortunate few whose career completes you, as Asimov’s did? As I introduced in last week’s post, full retirement isn’t for everyone. To spin off of Robert Frost’s classic poem, I could ...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Second Quarter Market Review: A Sea of Green If memory serves, it’s been a while since every market on Dimensional’s Quarterly Market Review summary page is depicted by a green arrow of positive returns. As diversification would have it, there’s usually at least one red one in the mix, indicating a corner of the market that delivered negative returns that quarter, by a little or a lot. So that see...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Even without seeing the official stats, you’ve probably noticed an increasing number of so-called senior citizens who are no longer behaving like proper old people. In an homage to the new senior lifestyle, I’d like to focus on the “not-retirement” model I mentioned in my last post: Working (or playing) straight through Some people avoid retirement entirely. If you find meaning in your work – mayb...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Welcome back! In my last post, I launched this year’s SageBroadview summer blog series, “Sheri’s Summer Retirement Summary.” When it comes to retiring, there is no one best way for everyone. That’s what makes the subject so fascinating. That said, most people’s retirement planning falls into these five broad categories, depending on how you slice and dice the possibilities. Beyond the (1) traditio...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Hey everyone, happy first official day of summer! Is the pool open? Before you head out, I hope you’ll join me in celebrating the launch of our fourth annual summer blog series. It all started in 2014, when we shared a summer series of Evidence-Based Investment Insights, followed by a 2015 collection of Investment Basics and a 2016 serving of Sheri’s Summer Refreshers. What’s on the agenda for thi...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • A curated list for your reading pleasure — some light-hearted articles, some that are thought-provoking, and some of a more practical nature: Why Walking Helps Us Think (The New Yorker) “What is it about walking, in particular, that makes it so amenable to thinking and writing? The answer begins with changes to our chemistry.” Why I Write About Classical Music (My Favorite Classical) “Life is too ...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • In my last post, we covered some of the financial trade-offs to consider before you decide to pay off your mortgage on the early side. Still, sooner or later, I hope that payoff day does arrive for you. There are few financial acts more gratifying than ensuring your castle is all your own, free and clear. Before you pop that cork on the bubbly though, it’s important to make sure you haven’t skippe...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • We hear this question often: “Should I pay off my mortgage early?” As you’ll hear us say even more often, the answer is, “It depends.” It’s nice to no longer have that monthly payment, and there’s something satisfying about owning your home outright. That said, if you allocate dollars to paying off your mortgage, you’re essentially ruling out other ways you could be spending, saving or investing t...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • If there’s an investment instrument that has withstood the test of time, it’s the good, old U.S. savings bond. Since their 1935 debut under “New Deal” President Franklin D. Roosevelt, they’ve never been known for their get-rich glamour. But to this day, investors still turn to them when appropriate. When do savings bonds still make sense, and what are best practices for managing them these days? T...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Okay, I know budgeting is rarely fun for anyone, but it can be especially hard on young adults. You’ve just wrapped up your formal education and received your first decent paycheck – way more than you’ve been earning between classes. What’s a common reaction? “I deserve a shopping spree!” Meantime, the necessary expenses add up too: food, clothing and shelter for today and tomorrow. You get to the...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Ah, there’s nothing quite like that new-car smell? It’s so popular, you can even buy it in a can. To me, I’m not sure that’s worth it unless I get an actual new car along with it. That said, given the costs, when it does come time to replace your classic clunker with a shiny (and fragrant) new edition, you may be wondering if it makes more sense to buy or lease. Actually, you have three basic opti...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Last week, I talked up Headspace. I try to get my Zen on every day, but for a Type A type like me, sometimes one resource just doesn’t cut it. Is it ironic that even when it comes to my meditation I tend to be an over-achiever? Hey, I’m in good company. Consider this interesting article about the late, great Steve Jobs and the one question he asked himself every morning. I don’t know if daily medi...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • Remember Ray and the late Tom Magliozzi of Car Talk? I miss their weekly advice, and so does my car. I’ve even been known to have browsed their “shameless commerce” division. Today, I’m going to engage in some shameless commerce of my own … but not for myself. As I reflect on some of the things that make me happy, I want to share that onward by pointing you to my favorite meditation app: Headspace...

SageBroadview Financial Planning, LLC
SageBroadview Financial Planning, LLC
Blog Post
  • We all have our symbolic security blankets, right? Mine is Madeleine L’Engle’s “Wrinkle in Time.” I first read it when I was a young adult, shortly after it became a Newbery Medal winner and I was still the book’s target audience. It was such a bull’s eye that I continue to revisit it every few years, wrapping myself up in its satisfying triumph of good over evil. For investors, one of the greates...

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