Post-Financial Crisis Mind-Sets

Dan Kutzke By | On September 13, 2018

As we look back 10 years since the stock market crash in 2008, T. Rowe Price identified “4 Post-Financial Crisis Mind-Sets” in their Fall 2018 “T. Rowe Price Investor” newsletter I thought I would share with you. It stresses the need to develop a long-term plan and to stick to the plan in times of […]

5 Ways Criminals Use Social Engineering To Scam Us

Dan Kutzke By | On August 7, 2018

A major risk to both businesses and individuals, social engineering involves the exploitation of our very nature. Specifically, criminals use social engineering techniques to elicit feelings of fear, uncertainty, pressure, and excitement in the hope that we will deviate from the ways we typically behave. Their goal is to gain access to our sensitive information […]

Sudden Wealth

Dan Kutzke By | On July 13, 2018

What would you do with an extra $10,000? Maybe you’d pay off some debt, get rid of some college loans, or take a much-needed vacation. What if you suddenly had an extra million or 10 million or more? Now that you’ve come into a windfall, you have some issues to deal with. You’ll need to […]

2018 Outlook: Moving into the End of the Cycle

Dan Kutzke By | On January 29, 2018

As 2018 begins, the good economic news continues. Companies are hiring, both consumers and businesses feel confident, and economic growth is good and getting better. Even as conditions remain very positive, though, there are signs that the trend is changing. Job growth is slowing as we run out of available workers, and confidence seems to […]

Should You Pay Off Your Mortgage?

Dan Kutzke By | On October 24, 2017

After years of dutiful payments, you find yourself in the enviable position of having enough accumulated savings or discretionary income that you could aggressively pay down—or completely pay off—your mortgage. But should you? Are there better ways to ensure your financial security? Making the best choice for you Paying down your mortgage faster—or paying it […]

Equifax Breach Affects 143 Million People

Dan Kutzke By | On September 15, 2017

Last week Equifax, one of the three major credit bureaus, suffered a massive database breach. This breach is estimated to have affected 143 million consumers’ information including Social Security numbers, dates of birth, addresses, drivers license numbers, and credit card information. Do you know if this breach has affected your information? If you are unsure, […]

The Family Conversation: Addressing Your Health Care Needs in Retirement

Dan Kutzke By | On July 26, 2017

Maybe you and your family have already attempted to have “the conversation.” You know the one: the discussion about your and your spouse’s assets and what will be done with those assets during the rest of your lives and after you pass away. Perhaps, because of your children’s sibling rivalries, the family conversation turned to […]

The Boston Tea Party and Democracy Today

Dan Kutzke By | On December 21, 2016

I was reading today and found this blog post from our Chief Economist at Commonwealth, Brad McMillan. I am always impressed and enlightened by his insight into various subjects- this one reflects on the recent elections. I feel lucky that he is associated with us and that we have access to him directly in navigating […]

What Does The Election Mean For Your Portfolio?

Dan Kutzke By | On October 17, 2016

Authored by Brad McMillan, CFA®, CAIA, MAI, chief investment officer at Commonwealth Financial Network.   There’s no escaping coverage of the presidential election—what it means, whom to vote for, whom not to vote for. Many of us are deeply engaged in the process and passionately committed to one of the candidates. At the same time, […]

How Much Did I Spend Last Year?

Dan Kutzke By | On August 17, 2016

One of the key items to determine when getting ready to retire is to know how much you spend each year, to be able to compare it to what your spendable income is projected to be once you are retired. Or maybe you are just trying to determine your budget to be able to make […]