5 Ways to Improve Your Cash Flow and Invest More

There are multiple ways to increase your cash flow to invest more.

For some people, deciding how to invest is the hard part. But for others, finding extra money to put toward investments is even harder. You know investing is important, and you know the more consistently you do it, the better off you’ll be over time. Luckily, there are steps you can take to make that… Read More

Am I Better Off Investing or Paying Down Debt?


Geoff Considine

This is the fourth installment in our series on how individual investors can assess their financial health. A common dilemma in personal finance is whether to use funds to pay down debt faster or to invest more. The question crops up in various forms: Should I pay off all credit card debt or make smaller… Read More

Am I Saving Enough to Reach My Goals?

Businessman using tablet computer

Geoff Considine

This is the second installment in our series on how individual investors can assess their financial health. The starting point for any discussion of a household’s financial health is to evaluate current savings and savings rates in the context of financial goals.  The three largest expenses that most families will face are buying a home,… Read More

How Am I Doing? An 8-Point Financial Checklist


Geoff Considine

A question that nags at many people is whether they are on track financially.  Even an average financial life can seem remarkably complex.  How does anyone know whether he or she is doing the right things?  A range of studies on how people manage their money suggests that many, if not the majority, are making… Read More

One Advisor’s Approach to Income Investing

John Graves

Editor’s Note:  John Graves has been an independent financial advisor for 26 years. He is one of the two owners of The Renaissance Group, a Registered Investment Advisor based in Ventura, CA.  John’s book, The 7% Solution: You Can Afford  a Comfortable Retirement, was published in 2012.  When I read this book, I was impressed… Read More

What is Your Pension Really Worth?

Lauren Tivnan

Last week, we posted an article from Michael Lewitt, Vice President and Portfolio Manager at Cumberland Advisors called “The Pension Dilemma” that talked about how America’s largest pension fund, the California Public Employees Retirement Systems (CALPERS) reported an abysmal 1% return on its investments for the past year (ending June 30, 2012). CALPERS has been… Read More

The Collapse of the American Net Worth

Geoff Considine

Many of you are painfully aware of how many friends or family members are out of work, now under-employed, or who have lost their homes. Geoff Considine, a leading contributor to the Portfolioist, provides his take on what we’re calling the “collapse” in household net worth, starting with a recently published report released from the… Read More

Are We Hard-Wired To Make Bad Financial Choices?

Geoff Considine

Proper financial planning that provides for our financial needs in retirement is perhaps the prototypical example of willful blindness. We all know that most people have not saved enough to provide for a sustainable long-term income in retirement. The core issue here is that we (as a society and as individuals) are making consistently bad… Read More