financial advisors

According to a biannual report by the Society of Actuaries regarding retirement expenses, nearly half of all Americans have no retirement savings at all and will rely almost solely on Social Security for retirement income. …

Yes, there are several. 529 Savings Plans, Coverdell Education Savings Accounts and Revocable Educational Trusts are specifically set up for college savings, by students, parents, grandparents or other loved ones. Each are setup to reduce …

College costs have doubled in the past 15 years, growing by an average of nearly 6.5% per year. By 2030, at 5% inflation, less than the current average, college tuition will rise to $18,630 per …

According to the College Board, average costs for the 2015-2016 academic year for in-state residents are $9,410 at public universities or $23,893 out-of-state. For private universities, the average costs are currently $32,405. And those numbers …

by Ryan W. Smith All good things will eventually pass, an old saying goes. History has almost always agreed, but in recent years there has been a notable exception: the continual rise of the U.S. …

Bear market recoveries often take considerable time, since the market has to recover, then heal, before rebounding. An exception is the recent rise of the S&P 500 by 69% from March 2009 to March 2010 …

Most studies have shown there is no “normal” bear market, much in the same way there is no “normal” bull market. There are telltale signs that show a phenomena is occurring, but often it is …

Most analysts agree that a bear market is a 20% drop in prices in a short time frame, typically 3-6 months, whether it be for a single security or the market as a whole. Since …

by Ryan W. Smith Less than half of current retirees and near-retirees who expect to retire within a decade receive advice that includes Social Security in their retirement financial plans, according to a survey by …