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Archive by category: BlogReturn
An IRA in and of itself provides for the significant benefit of tax-deferred growth during the owner's lifetime.  The funds in the IRA are only taxed when they are removed.   They can be removed and used without penalty beginning the year the owner turns 59½.  Later on, during the year that the owner turns 70½, the IRS requires withdrawal of a Required Minimum Distribution.  For most participants, this first distribution is equal to 3.65% of the IR...
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As a client or professional partner of DHG Wealth Advisors you’ve been part of a wealth management experience focused on your goals and objectives, not one focused on products.   As a part of implementing an appropriate solution for our clients based on their needs, risk tolerance, and feedback; our Investment Policy Committee seeks out investment solutions that have stood the test of time.   A long standing part of our client portfolios has been Dimensional Fund Adviso...
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The Employee Retirement Income Security Act, commonly referred to as ERISA, sets standards of conduct for those who manage an employee benefit plan and its assets. Such a person or entity performing many of the duties required in operating and managing a plan is known as a fiduciary.
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June 15, 2015Many investors initially seek out a financial advisor in hopes that they will have some secret knowledge of future economic events or superior research that will help them beat the market. In fact, the first question we are often asked is “What do you think the market is going to do this year?” But market predictions and forecasts (even if they are occasionally accurate) do not equal a good financial advisor, and “Fortune Teller” is a hat we never wear. Instead, we believe our j...
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April 16, 2015We are pleased to let you know that Maria Tobin CLU, ChFC, LUTCF has joined W. Talbot Carter, CLU, ChFC and the DHG Agency team in an effort to provide more comprehensive service to our clients. Maria and Talbot have extensive experience and can assist you or a family member in reviewing or considering the following:Life Insurance Solutions Term and permanent coverage for families, estate planning and business applications like funding buy/sell agreements, key person policies and d...
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February 05, 2015Remember The Lost Decade? It wasn’t that long ago that investing money in an S&P 500 index fund would have yielded a negative rate of return. Specifically, between January 2000 and December 2009 the S&P 500 had a total return of (9.1%), hence The Lost Decade label for that 10-year period.As financial advisors, we don’t think in 10-year increments. We don’t even think in 20-year increments. We think long term, big picture so what happens in any rolling 10-year period d...
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November 25, 2014Recently, I overheard a friend of mine having a phone conversation. He said, “I heard Schwab is rolling out their version of a Robo-Advisor….yeah and it’s gonna be free if you have $50 thousand with them.”Once I got over my feelings about the prospect that my career was going to be taken over by robots, I got to thinking. “How will advisors like myself compete with the proliferation of online robo advisors? How can I add enough value for my clients over online services to j...
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November 04, 2014The headline jumped from the TV screen, “After Record Highs, the Fall is Here.” Being the good investment advisor that I am, I of course stopped to see what had triggered the latest round of market selling only to learn that it was a weather report! What if this had been a stock market report instead? Just how should we react upon hearing of volatile stock market moves? Think carefully now, because your answer likely will determine not only your portfolio returns but your very...
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October 06, 2014As financial advisors it is our goal that all of our clients have the most successful investing experience possible, but for many investors, their experience has been more confusing and overwhelming than anything else. More information is available now than ever before, yet that has only served to make the investment process even more complicated. We wanted to take this opportunity to remind you of the different types of investment management approaches and which philosophy guide...
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September 09, 2014My first year playing fantasy football, I started the season 0-8. I seemed to consistently make the wrong line-up choices, I was always leaving points on the bench, and even when I had the best team possible, something unpredictable would happen (like Baltimore’s defense scoring 28 fantasy points), once again leaving me winless. The frustration was maddening. Last year I was champion of our fantasy football league.So what changed over 3 years? I started to treat fantasy footba...
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