risk management

by Ryan W. Smith In recent years, the financial planning industry has expanded its services to include all forms of financial planning, not just the investment and retirement account assistance for which it is more …

One important note on Medicare coverage is that Medicare is not designed to pay for all medical costs. By design, the program contains premiums, deductibles and co-pays like traditional health care plans. Open enrollment for …

Enrollment in Medicare is divided into four sections: Part A is fee-for service and covers Hospital and Hospice care, Part B is also fee-for-service and covers outpatient services and tests, Part C is sometimes referred …

Medicare on average pays for just over 50% of all health care charges for those enrolled, with the remaining payments covered out-of-pocket or with supplemental insurance. For those who are already receiving or signed up …

by Ryan W. Smith Investing is a difficult, often frustrating task, even for the most seasoned of investors. Market forces outside of individual control will often eliminate, in mere hours or days, gains that often …

It is true that Index Funds in recent years have vastly outperformed the majority of actively managed funds, but this is not always the case in all corners of the market. Broad-market Index Funds can …

Most investors will claim, upon examination, that they do not try to time the market. Most investors are only kidding themselves. There is never a lack of people who claim “they knew” something was going …

A consistent approach is necessary to reap true, sustainable long-term gains from investing, fending off market forces outside our control and sailing through any storms we encounter. However, there is one aspect of investing that …

by Ryan W. Smith Being a good financial advisor takes much more than financial knowledge and sales talent. The best financial advisors have all mastered one additional skill that most will say is the true …