Herb White – Financial Options

Resources for Spending and Saving in 2017

~ By Herb White, MBA, CFP ~ Saving money is always a bit challenging, especially when it seems prices have risen every time you set foot out the door. If you are saving for retirement, it may be particularly frustrating to see your dollars being eaten up by rising expenses. What can you do?

Market Bubble? Reminders for Investors

~ By Herb White, MBA, CFP ~ In the world of investments, people who understand the nature of bubbles and busts and heed the warning signs ultimately fare better than those who throw caution to the wind, preferring to trust what is ultimately just luck. One of the truisms about the markets is that every […]

A New Year, Time for a Change?

~ By Herb White, MBA, CFP ~ There’s always a lot to do when the new year rolls around making resolutions is usually high on the list. It’s also a time when investors reassess their portfolios and look at other investing options that potentially will provide them good returns in the markets. Many believe the […]

Take Emotions Out of Your Investment Decisions

~ By Herb White, MBA, CFP ~ Investing in the markets, like many other important decisions you make, requires you to take action based both on research and on dispassionate common sense rather than on your emotions. Common sense decisions come from thinking through the potential long-term consequences before acting. Your emotions, including fear, excitement […]

Let Your Life Goals Drive Your Financial Strategies

~ Herb White, MBA, CFP ~ Many people take a willy-nilly approach to their finances. Instead of viewing their expenditures and their investments as part and parcel of their overall goals and aspirations in life, they view them as separate, unrelated actions: Saving for a child’s college education. Investing for retirement. Managing their taxes. Upgrading […]

Thinking Global? Think ADRs

~ By Herb White, CFP, MBA ~ There’s a whole big world of investing opportunities out there, yet many investors have shied away from international markets, concerned about the costs, complexity and potential risks. You may be able to minimize risks and gain a convenient avenue to deal in foreign markets is with American Depositary […]

Life Insurance and Financial Planning – How Do They Tie In?

~ By Herb White, MBA, CFP ~ When it comes to finances, many people believe that financial planning and life insurance are as unrelated as night and day. Their thinking is that financial planning is concerned with investments, taxes, retirement and estates, while life insurance is only for providing a “death benefit.” Yet, life insurance […]

Active or Passive Investing? Time to Take Another Look

~ By Herb White, MBA, CFP ~ With investing, as it is with so many things in life, there often is a good reason to look again at your options. Many investors rely on a passive strategy of investing and tend to stay with it. For them, a passive strategy means less need to address […]

Consider the Many Benefits of Postponing Retirement

~ By Herb White, CFP, MBA ~ “I can’t wait until I retire!” was the familiar refrain for years, with workers counting down the time until they were able to quit work usually at age 65. Some even chose to take retirement as early as age 62. But lately many people are choosing to wait […]

Test Your Investor IQ

~ By Herb White, MBA, CFP ~ If you are an investor, or are considering investing in the markets, start with this test. T or F Stocks are more likely to provide higher rates of return than bonds or money market investments. TRUE Today as always, stocks are the first and foremost avenue to greater […]

How Does a Weak or Strong Dollar Affect You?

~ By Herb White, MBA, CFP ~ Uncle Joe: “Why should I care if the dollar is strong or weak? I only care how many dollars are in my wallet!” Nancy: “Uncle Joe, you’ve been following the price of gasoline at the pumps. Shouldn’t you follow how strong or weak the dollar is? After all, […]

Same-Sex Marriage? Watch Those Taxes

~ Herb White, MBA, CFP ~ Equal marriage benefits for every couple – state tax breaks – new Roth conversion strategies – there are a number of benefits that come with same-sex marriages now, but also some important issues. Let’s take a look at what might affect you if you are in a same-sex marriage.

Market Bubble? Reminders for Investors

~ By Herb White, MBA, CFP ~ In the world of investments, people who understand the nature of bubbles and busts and heed the warning signs ultimately fare better than those who throw caution to the wind, preferring to trust what is ultimately just luck. One of the truisms about the markets is that every […]

Do You Have Artwork or Other Valuable Collectibles?

Important Financial Issues to Consider ~ By Herb White, MBA, CFP ~ Whether you have a stash of vintage comic books, paintings by noted artists or a collection of sports cars, have you taken the steps to preserve their value, lessen taxes on them and ensure their ongoing care? The transfer of your valuables and […]

Is Your Portfolio Risky Business?

~ By Herb White, MBA, CFP ~ You wear many hats – perhaps you are an employee, parent, sports enthusiast, traveler, author, creative genius. You likely are an investor as well. That part of your life, though, has a unique characteristic: unlike with many of the hats you wear, taking risks is a necessary part […]