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How Much Do I Need for Retirement?
Legg Mason posed the question “how much do you need for retirement?” to a group of “mass affluent” investors (aged 40 – 75 with more than $200,000 in investable assets). Those surveyed said they would need at least $2.5 million to maintain their current standard of living. According to the...
Entrepreneurial Estate Planning 
Over the years, a number of clients and friends have approached me to assist them with their estate planning needs. Because my legal license is inactive, I don’t draft estate planning documents. However, with over 30 years of experience in administering estates and trusts, I can often bring an...
Search For Yield Continues
As with most investors, our goal is to maximize the total return that we receive from an investment (within a risk-adjusted framework). Total return is comprised of two components: 1)the income received (interest from fixed-income investments and dividends received on equity investments), and 2)...
Self-Funding A College Education
Funding a child’s or grandchild’s education is a high-priority savings goal for many families. This article will answer a few important questions:
Savannah Fiduciary Seminar Makes 2015 Presentations and Exhibits Available Online
The Savannah Fiduciary Seminar has made the 2015 presentations and exhibits available online in the form of podcasts, PDF downloads, and PowerPoint presentations. The Seminar brings together top professional service firms to present important updates, insights, and practical tips for 401(k) and...
Fiduciary Group Teams up with Focus Financial Partners
The Fiduciary Group has entered into a strategic partnership with Focus Financial Partners effective April 1, 2015. Focus is the world’s largest partnership of independent wealth management firms, with partners across the United States and in the UK and Canada.
Active vs. Passive Mutual Funds
Are mutual fund investors better served by investing in actively or passively managed mutual funds and ETFs? Short answer: depending on one’s individual circumstances, both types of funds can play a positive role in a well-diversified investment portfolio. Diversification among active and passive...
Rising Equity Glidepath in Retirement
Conventional wisdom in the investment advisory world has typically been that retirees should gradually reduce their equity exposure during retirement. One popular rule of thumb is that equity allocations should be annually rebalanced based on a formula of 100 less the retiree’s age. For example, a...
Putting the Brakes on the Emotional Rollercoaster
Emotions can cause investors to do the wrong thing at the wrong time. We all know, rationally, we should buy low and sell high. Yet emotions can cause investors to do just the opposite.
The Gen-X 401(k) Millionaire
Generation X—those born between 1965 and 1978—is known as the “401(k) generation.” They entered the workforce about the time that 401(k) plans were being introduced, and started their own retirement savings earlier than prior generations (the average age to start saving for retirement was 27). They...