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August 15, 2021 Whether you’re a retiree, on the cusp of retirement, or anticipate that you someday will retire, there’s a good chance either (a) retirement didn’t turn out the way you thought, or (b) the retirement you’re anticipating will be dramatically different than what actually will occur. When a client, or prospective client, comes to us and talks about...
August 15, 2021 Over the years, we’ve written frequently about the potential perils of trying to time markets. Often, we refer to the need to make two critical decisions, both at precisely the right time: when to sell and when to re-buy. Both decisions are equally important, and erring on either (or both) can be costly. A new study adds...
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June 30, 2021 Those of a particular generation may recall a commercial on TV for a hair restoration company. The late Sy Sperling would look into the camera and say: “I’m not just the president of Hair Club for Men, I’m also a client.” (Perhaps I also should have been a client of Hair Club for Men, but that ship...
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June 30, 2021 If you’ve seen this movie before, raise your hand. Every year, business writers and market observers try to steer their audiences to their portfolio choices du jour. Small-cap growth? Dead! Large-cap value? Buy! International? Never! Emerging markets? Garbage! Bitcoin anyone? With interest rates still trending near historic lows, the last year has seen a multitude of articles...
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June 30, 2021 Security is very important to us, and we think it should be equally important to you. That’s why we frequently include articles about what you need to do to help protect yourself against identity and other theft. Unfortunately, you may be victimized as a result of shortcomings by others. If you have a credit card from a...
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May 15, 2021 Though I like to believe it’s my Honest Abe appearance that encourages total strangers to reveal things to me that wouldn’t normally be discussed with other strangers, it’s more likely that we’re all so desperate for social contact that people are willing to talk to anyone. Even me. While waiting in a doctor’s exam room recently, I...
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May 15, 2021 For a hundred years or more, investors have been seeking the holy grail of investing: how not to lose money in the stock market. Finally, MONEY.com 1 has revealed the answer, and it can be condensed into two words: Don’t sell! The chart below highlights how markets have performed over 1, 5, 10, & 20 year periods...
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May 15, 2021 There are certain documents that EVERY adult should have. While we don’t know when any will be required, there is a certainty they will be needed. The must-have list starts with four documents: a will, a durable power of attorney, an advanced health care directive, and a HIPAA release form. Let's dive in to each. Last Will...
S.F. Ehrlich Associates |
March 31, 2021 We’re coming up to 25 years since I started our financial planning practice. Over those years I’ve offered advice to clients about their finances, as well as counsel on a multitude of finance-related (and often some very un-related) subjects. As I think back to many of those conversations, I realize how often I used the word “NO.”...
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March 31, 2021 From Emily Barone at TIME Magazine 1 , “It was a year ago that the COVID-19 pandemic seized control of our lives. While essential workers remained on the job, the rest of America, confined to quarters, tried to come to terms with a life on pause. Working, learning, and passing the time almost entirely from home meant...