• 713-589-6448

Skip to Content


Should You Do It Yourself? Investments and Financial Planning

Smart people shouldn’t need to hire a financial planner or professional investment manager, right? After all, smart people can read and research to inform themselves and therefore they can take care of their own investments and financial planning. Read on to find out how such  …read more »

It Doesn’t Go On Sale: Don’t Wait Until You’re Older for Long Term Care Coverage

“I cannot wait to pay the premiums for my homeowner’s, car, and long term care insurance policies,” said NOBODY ever. Insurance is one of those “necessary evils,” that we spend money on while at the same time hoping that we never have to actually use  …read more »

Inherited IRAs: Don’t Touch Without First Consulting a Professional

If you have inherited an IRA, there are some important rules you must know to avoid some painful and irreversible consequences. The very first step to take is to contact a professional for advice before taking any other action. If you make a move without  …read more »

How to Determine Your RMD (Required Minimum Distribution)

You probably know that when you reach the age of 70 ½ you are required to make annual withdrawals from your retirement accounts upon which you will be taxed. There is a one time allowance that lets you wait until April 1st of the year  …read more »

Are You Taking Too Much Risk with Your Bonds (Or Paying Too Much)?

Until very recently (2018), bond brokers were not required to disclose the markup that they are charging for the bonds they sell to their clients. Even today, while the markup is disclosed on trade confirmations, brokers often dance around the explanation if questioned. Markups for  …read more »

How Investment Fees and Expenses Work

How Fees Work: There are three types of fees associated with mutual funds that are charged to the investor: Expense ratios: All mutual funds have expense ratios, which range from 0.08% to over 2% of the amount invested every year. These fees pay the funds’  …read more »

Material included in this section is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor regarding your individual situation.