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Flatirons Wealth Management Blog

Recent Posts

September 4, 2019

 "Is Costco worth it?"  It's a question I've gotten numerous times and is as old as, well,1973 when the first Costco, then "Price Club," opened.  With almost 800 warehouses worldwide, 93 million members, and retail revenues second only to Walmart, the size of Costco is...

June 27, 2019

 

    We've been talking a lot about fees the last few months.  To wrap up the conversation, I wanted to take a moment and provide a real world example of analyzing fees and returns on investments.  A few years ago, I was meeting with a client who brought up the fees as...

May 8, 2019

Each time I write a financial plan for a new client they are given a "Data Gathering" packet requesting a host of information.  It's dreaded, I know.  Just to name a few items, the list of documents requested includes credit card statements,  tax returns, pay stubs, in...

April 3, 2019

     Each year, after decades of contributions to the program, millions of Americans claim social security benefits for the first time.  Most go on to receive hundreds of thousands of dollars in the form of a monthly "paycheck" from the government.  For some it's the o...

February 22, 2019

     If you recently received your 2019 home and auto insurance renewal rates you've probably felt at least a little like the man pictured above.  My homeowners insurance rate increased 18% year-over-year while my auto insurance rate jumped 24%.  YIKES!!!  Wondering if...

January 3, 2019

     We need to talk.  It's about your "Emergency Fund."  Most believe you should have a reserve of three to six months of expenses set aside at all times in case of sudden unemployment, expensive necessary repairs, etc.  Most new clients come to me with at least an un...

November 11, 2018

     I just finished reading a third quarter "Investment Commentary" put out by an industry organization.  All I could think of was the teacher from Charlie Brown.  If financial-speak puts you to sleep, I get it.  Sometimes, it puts me to sleep, too.  A lot of financia...

October 11, 2018

     With back-to-back 2%+ losses in the S&P 500 and a 5.5% drop since last Friday, it's been a rough week for stocks.  And while we're just 7.2% from the all-time highs, because of how steadily the market has advanced since the spring, it sure feels like the world mig...

September 21, 2018

I recently read a story wherein a financial advisor was told by a client that he was going to "park some money in the S&P 500 for a few months."  The advisor was dismayed.  It seems the client viewed a 100% equity allocation (that would be what an S&P 500 index fund is...

September 17, 2018

 Are you “sticky?”  Let me explain....

In the corporate world, there's an expression called "stickiness" that many businesses, especially banks and insurers, utilize to describe the behavior of their clients.  Customers open accounts, often in exchange for some s...

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