Financial Planning - Registered Investment Advisor

You Have To Earn a Bundle to Repay Student Debt

By Scott Burns Q. I am about to receive a $100,000 bonus for work I did several years ago. I need help deciding what to do with the money. I am 31 years old, single, female and a lawyer. My salary is $70,000. I usually get about a $12,000 bonus. I have...

Posted Mar 03 2010, 03:00 PM by admin with | with no comments

Filed under: Financial Planning, Q&A (from print)

Investment Expenses Depend On Distribution “Channels”

By Scott Burns Q. I have had several discussions with my financial adviser/broker about fund fees. He tells me that my Legg Mason funds are not high-expense funds - they run between 1.6 and 2 percent. I tell him that this seems excessive in light of current...

Posted Aug 05 2009, 03:00 PM by admin with | with 1 comment(s)

Filed under: Financial Planning, Income Investing, Q&A (from print)

Adapting to the Future, Whatever It Is

By Scott Burns Q. When is it safe to discard the various computer-based income projections often used in financial planning, such as the commonly used Monte Carlo studies? When can you use real countable dollar amounts for living in retirement? My wife...

Posted Jul 08 2009, 03:00 PM by admin with | with 1 comment(s)

Filed under: Financial Planning, Q&A (from print)

How a Young Soldier Should Invest: Simply

By Scott Burns Q. I am writing for my son, who is a first lieutenant in the U.S. Army. He just turned 24 and is ready to start his retirement investing. His car is paid for. He has no credit card or college debt. He has about $6,000 in savings with plans...

Posted Jun 03 2009, 03:00 PM by admin with | with no comments

Filed under: Financial Planning, Q&A (from print)

The Burden of Commission Based Advice

By Scott Burns Q. My husband's financial adviser has made a suggestion for action. We can't decide if it's a good idea. My husband is 70, retired, and drawing from his account. The account includes 39,427 shares of Franklin income fund class...

Posted May 20 2009, 03:00 PM by admin with | with no comments

Filed under: Financial Planning, Q&A (from print)

To Do Well Over 50 Years, Reduce Costs

By Scott Burns Q. I am a 26-year-old man, looking into starting a Roth IRA. I have been investing in my government 457 plan for the past three years but am unhappy that I will be taxed on my gains at retirement. I am one of the few people left in the...

Posted May 13 2009, 03:00 PM by admin with | with no comments

Filed under: Financial Planning, Index & ETF Investing, Q&A (from print)

Is Your Employer Match Being Wasted?

By Scott Burns Imagine you lost as much money in your 401(k) plan as you've lost in the last year -- only it happened slowly. You'd still be unhappy, right? Well, that is happening to millions of workers. Fortunately, you can do something about...

Posted Mar 20 2009, 03:00 PM by admin with | with 2 comment(s)

Filed under: Financial Planning, Income Investing, ScottsArticle

Workers Unite!

By Scott Burns Have you dared to look at your 401(k) statement lately? If you have, you’re probably thinking unkind thoughts about the well-paid folks who are supposed to be managing your money. I say it’s time to give ’em the boot---but let’s talk this...

Posted Nov 07 2008, 03:00 PM by admin with | with 2 comment(s)

Filed under: Financial Planning, Retirement

The Power of Attentive Spending

By Scott Burns Yes, there is a silver lining in the gigantic cloud that surrounds us. It’s small, but it has a value far greater than most people realize. I call it the Power of Attentive Spending. Today, most people are worried about losses in the stock...

Posted Aug 08 2008, 03:00 PM by admin with | with 1 comment(s)

Filed under: Financial Planning

Your Broker is a Hammer, Don't be a Nail

By Scott Burns Q: I like my broker, but she and I differ on what type of fund to be in. I prefer a low-expense fund. She says: Forget expenses if the 10-year returns bear more fruit. I have $400,000 to invest. I want to do the following: 35 percent in...

Posted Jul 09 2008, 03:00 PM by admin with | with 5 comment(s)

Filed under: Financial Planning, Q&A (from print), Retirement

Same Fund Family but Less Risk

By Scott Burns Q. I'm semiretired, married, with no children. We own our home. I'm 62, have no pension. Our total savings is $95,000 in Vanguard Target Retirement 2010 fund in an IRA. I just moved it there about six months ago. In the last year...

Posted Apr 30 2008, 03:00 PM by admin with | with no comments

Filed under: Financial Planning, Q&A (from print)

Fees and the Top and Bottom 25 Percent

By Scott Burns No one wants to be at the bottom of the heap. We want to be above average at everything, including investing. That’s why we spend billions every year, hoping to find a superior investor who will, for a modest fee, invest our modest savings...

Posted Mar 14 2008, 03:00 PM by admin with | with 5 comment(s)

Filed under: Financial Planning, Income Investing

How to Manage Multiple Accounts

By Scott Burns Q. I am nearly halfway through the process of restructuring my investments. I’m changing from a portfolio of more than 25 individual stocks to one of diversified index funds (a la your Ten Speed or Six-Way Couch Potato Building Block portfolios...

Posted Feb 13 2008, 03:00 PM by admin with | with no comments

Filed under: Financial Planning, Q&A (from print)

There Is No Cure for Nest-Egg Anxiety

By Scott Burns Q. I retired at age 60 with a package. That was 13 months ago. As the package dwindles, I wonder if I should go back to work. Ugh! I have about $ 900,000. It is about 21 percent in fixed-income, 73 percent in equities and 6 percent in cash...

Posted Feb 06 2008, 03:00 PM by admin with | with no comments

Filed under: Financial Planning, Q&A (from print)

Making Commodities Part of your Portfolio

By Scott Burns OK, we get the idea. Having commodities as part of our portfolio can reduce risk by offsetting big swings in stocks and bonds. But how do we actually do it? That was the gist of reader response to a recent column about reducing investment...

Posted Jan 11 2008, 03:00 PM by admin with | with 3 comment(s)

Filed under: Financial Planning, Retirement

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Registered Investment Advisor

You Have To Earn a Bundle to Repay Student Debt

Investment Expenses Depend On Distribution “Channels”

Adapting to the Future, Whatever It Is

How a Young Soldier Should Invest: Simply

The Burden of Commission Based Advice

To Do Well Over 50 Years, Reduce Costs

Is Your Employer Match Being Wasted?

Workers Unite!

The Power of Attentive Spending

Your Broker is a Hammer, Don't be a Nail

Same Fund Family but Less Risk

Fees and the Top and Bottom 25 Percent

How to Manage Multiple Accounts

There Is No Cure for Nest-Egg Anxiety

Making Commodities Part of your Portfolio

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