Search found 399 matches

by confusedinvestor
Mon Jun 18, 2018 1:15 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Independent Franchise
Replies: 25
Views: 1708

Re: Schwab Independent Franchise

What do you mean by Schwab passes earnings of your IP to this "salesman" ? You keep all the earnings of your IP. Do you mean Schwab passes some of the ER fees on your IP ETFs to this salesman ? and/or passes some earnings on your cash position of your IP when Schwab loans that back ? You can contact...
by confusedinvestor
Fri Jun 15, 2018 11:37 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11128

Re: Which boglehead rule do you break--and are ok with

11. I always review my own #1 'Develop Workable Plan' with one new financial adviser/year (CFA, CPAs, CFPs). Max advisor budget $250/yr (bit high for a typical boglehead including myself) There's no Boglehead rule saying you have to have a written out IPS. There aren't really any Boglehead rules. Th...
by confusedinvestor
Wed Jun 13, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: When did you start teaching your kids about investing ?
Replies: 6
Views: 633

When did you start teaching your kids about investing ?

Folks, Need some help, wisdom... 1. When did you start teaching your kids about both savings and investing (not just saving) ? 2. What type of account do you folks recommend to open for kids to introduce them about markets, investing, compounding, watching long term ? Note: My kids are 7.5 yrs old, ...
by confusedinvestor
Wed Jun 13, 2018 1:22 am
Forum: Investing - Theory, News & General
Topic: Schwab's market predictions next 10 years
Replies: 20
Views: 2678

Schwab's market predictions next 10 years

Schwab's market forecast - https://www.schwab.com/resource-center/insights/content/why-market-returns-may-be-lower-in-the-future What do you think about this Schwab article ? Typically companies like Vanguard, Schwab, Fidelity are not right on market commentary, outlook. Vanguard on 2017 outlook as ...
by confusedinvestor
Sun Jun 10, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

Yes, a twin day bed with trundle, will cost us 1K vs 125K 4th BR add. thanks again!
sksbog wrote:
Sun Jun 03, 2018 12:57 pm

I would invest in a very high quality convertible couch/bed to keep in one of the rooms downstairs. Could be living room or not.
by confusedinvestor
Sun Jun 10, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

I wanted to Thank everyone for all the advises. After lot of ups/downs, we are finally deciding on putting a day bed (twin size) with trundle in our family room (remove the current couch from our family room) and i can crash there middle of night if i have pain and wake up. I did see my doc and he a...
by confusedinvestor
Sun Jun 10, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: [529 as part of an overall portfolio]
Replies: 17
Views: 1869

Re: [529 as part of an overall portfolio]

No, I didnot intentionally over fund 529s, I made wrong estimates for my twins and got bit lucky with last 6 yrs of bull run (sequence +ve returns) I have over funded 529s and underfunded retirements I plan to use non qual distributions from 529s for my early retirement - age 55 - 65 If you intentio...
by confusedinvestor
Thu Jun 07, 2018 12:13 am
Forum: Investing - Theory, News & General
Topic: [529 as part of an overall portfolio]
Replies: 17
Views: 1869

Re: [529 as part of an overall portfolio]

My twins are going to collage 11 yrs from now, same situation and i have over funded 529s and underfunded retirements I plan to use non qual distributions from 529s for my early retirement - age 55 - 65 and thus i am leaning on changing the 529 AA/Glides to my own retirements AA/Glides. CollegePrude...
by confusedinvestor
Sat Jun 02, 2018 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

This is excellent option we should seriously consider. My son's room can fit a queen bed too. thanks again for this. I would put a bunk bed in my sons room, perhaps a double on the bottom and twin for him on the top. Kids generally sleep more deeply and you could give yourself some mkre time to deci...
by confusedinvestor
Sat Jun 02, 2018 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

We are in SoCal, yes, i got few estimates from contractors. they said 6-8 month for this 400 sq addition. White noise machine sounds interesting, i'll give this a shot first with a recliner as many folks suggested. Is the 125K, 6 to 8 month time frame a guess or have you had estimates? I added a lar...
by confusedinvestor
Sat Jun 02, 2018 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

Yup, main-level "backyard" addition. we dont have basements I want to add a downstairs 4th BR for such nights so I dont impact my spouse or my sleep. Just to confirm, "downstairs" means 1st floor / main level addition, right? Not a basement? (Obviously, if you had a basement, you could set up a make...
by confusedinvestor
Sat Jun 02, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

That is what my DH said today. and Yes, we have the $ in Taxable, noting taking a loan/debt/HELOC. i will try to reduce the cost. and maybe recoupe the cost, if we sell the home, given the addition will increase the property value. If I was in as much pain as you and my medical condition was negativ...
by confusedinvestor
Sat Jun 02, 2018 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

I have major GI issues, my colon was removed a year back. and now i developed new symptoms. Under meds. Before spending $125k to add a bedroom and sleep apart from your spouse, you might consider making further efforts to address the medical issues. Seems like you have a back problem, a pain problem...
by confusedinvestor
Sat Jun 02, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

Yes, I see my GI every month and try out new meds, i wish things were better for us. thanks again for your kind words You are trying to fix a symptom, not the problem. Work with doctor to manage your pain. Are you still in therapy? Work with doctor to ensure if you do therapy it doesn’t aggravate th...
by confusedinvestor
Sat Jun 02, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

Amen to this.

You BOTH need good quality sleep.

RM
by confusedinvestor
Sat Jun 02, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

Thanks you everyone for all the good suggestions. My DW is a light sleeper and when i do 'ooh-aah' during my pain even during my sleep, it bothers her, so i have to park myself in a different area of our house, until i fully recover, assuming if i will ever. this Major surgery changed my life. I am ...
by confusedinvestor
Sat Jun 02, 2018 12:17 am
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

thanks, surely can put a trailer at backyard, that could be a better option vs 125K BR add.
letsgobobby wrote:
Sat Jun 02, 2018 12:14 am
do you have space to put a pop up camper in the driveway? We use a (larger) trailer as a guest bedroom.
by confusedinvestor
Sat Jun 02, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

yes, under care of 2 docs, they gave me sleep meds yet i wake up with on/off pain and sometime talk even if I am sleeping per my spouse and impacts here sleep. so i think we need a separate room. we are in a tough spot. 4. Have you talked to your doctor about this? Maybe there is something better yo...
by confusedinvestor
Sat Jun 02, 2018 12:10 am
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

Celia, Thanks for your suggestions. sadly, our bed rooms are also small, we have a 1600 sql home, no pantry, laundry in garage, another options would be to put a futon bed in our living room. Yes, my top priority is to give my spouse a good night sleep. I still cant justify deep down to spend this 1...
by confusedinvestor
Fri Jun 01, 2018 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

Re: 125K Spend - Would you do this ?

No, 1 boy 1 girl - twins - they are 8 now and their room is small too...

these days, on such nights, i sleep with my son but he says ' i am uncomfortable daddy'

golfCaddy wrote:
Fri Jun 01, 2018 11:50 pm
Are both kids the same sex? If so, have them share a room.
by confusedinvestor
Fri Jun 01, 2018 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4989

125K Spend - Would you do this ?

Folks, As I'm not sure who should I reach out to get an objective opinion/advise on my dilemma, so I thought I'd reached out to my BH community, I apologize if this is bit personal, yet a big financial decision. My issue is I cant yet decide if this is a real need or a want or a wish and if I can re...
by confusedinvestor
Wed May 30, 2018 12:35 am
Forum: Investing - Theory, News & General
Topic: Guidelines on ratio of Pre-tax, Roth, Post-tax Investing
Replies: 35
Views: 2128

Re: Guidelines on ratio of Pre-tax, Roth, Post-tax Investing

You can use software such as RC to figure out your total taxes until your planned EOL, current savings flows (pre-tax-401K vs Taxable vs Roths, vs Roth Conversions), and future distributions (which account to distribute first to reduce your overall tax bill for life), knowing what you know now (your...
by confusedinvestor
Fri May 25, 2018 1:20 am
Forum: Investing - Theory, News & General
Topic: Edelman & Financial Engines merging
Replies: 36
Views: 3999

Re: Edelman & Financial Engines merging

In this podcast, Prof Sharpe talks about FE inception and why he left - no conflict of interest. Podcast - https://www.bloomberg.com/news/audio/2017-06-02/interview-with-william-sharpe-masters-in-business-audio FE doesn't incorporate Prof Sharpe latest work - https://web.stanford.edu/~wfsharpe/ws/wi...
by confusedinvestor
Sat May 19, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: What are downsides of ESPP @ 15% discount ?
Replies: 41
Views: 2970

What are downsides of ESPP @ 15% discount ?

What are the downsides of ESPP when you can get a 15% discount on lesser of share price of 1st month and end of 6th month and immediately sell at 15% discount at next day with short term cap gain ? Disadvantages of this 'immediate' ESSP ? -- 1. Short term tax impact, 2. Tx cost for Sell (not buy), 3...
by confusedinvestor
Thu May 17, 2018 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: How to estimate Social Security early retirement ? 55 ys?
Replies: 20
Views: 2298

Re: How to estimate Social Security early retirement ? 55 ys?

Thanks you so much, this works like a charm, thanks Horsefly and everyone! Go to your myssa.gov account, and look at your earnings history. You can then do a copy of the whole history, and then go to https://socialsecurity.tools/app.html and paste in your history. You can change the settings for how...
by confusedinvestor
Wed May 16, 2018 1:36 am
Forum: Investing - Help with Personal Investments
Topic: How to estimate Social Security early retirement ? 55 ys?
Replies: 20
Views: 2298

Re: How to estimate Social Security early retirement ? 55 ys?

Good point but i am taking about earnings test for SS Is'nt need 35 yrs of SS tax contribution from paycheck ? If you dont have 35 yes, what happens then ? Obviously, all data is inflation adjusted as SS is inflation hedged.... I guess, i had to do the wage history avg math and looks like i have to ...
by confusedinvestor
Wed May 16, 2018 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Becoming a Certified Financial Planner
Replies: 21
Views: 2235

Re: Becoming a Certified Financial Planner

I am in IT and I want to do "financial planning" as my side hustle, i plan to take the finra series 65 exam and register myself as a RIA. CFP is much better vs Series xx exams/registrations but if you are BH, you may not need CFP/Series 65 etc but just some designation (eg CFhC ?) to attract clients...
by confusedinvestor
Tue May 15, 2018 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to estimate Social Security early retirement ? 55 ys?
Replies: 20
Views: 2298

Re: How to estimate Social Security early retirement ? 55 ys?

" Just found this ..." From https://www.ssa.gov/planners/retire/stopwork.html If You Stop Work Before Retirement Age If you stop work before you have 35 years of earnings, we use a zero for each year without earnings when we do our calculations to determine the amount of retirement benefits you are ...
by confusedinvestor
Tue May 15, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: How to estimate Social Security early retirement ? 55 ys?
Replies: 20
Views: 2298

How to estimate Social Security early retirement ? 55 ys?

Hi Folks, My Social Security statement says - "$2,908 a month at full retirement age" but my spouse and I both plan on retiring at 55 and draw at 70 yrs. How do I get an estimate of my SS benefits if we both retire at 55 and draw at 70 ? I couldnt find the SS tool in the SS website to get a pre 62 e...
by confusedinvestor
Sun May 13, 2018 10:39 pm
Forum: Investing - Theory, News & General
Topic: HSBC - Checking+Brokerage Bonus $750 for 100K in 90 days - Any catch?
Replies: 14
Views: 1486

Re: HSBC - Checking+Brokerage Bonus $750 for 100K in 90 days - Any catch?

Great, this is a much better deal, please, please let me know your experience during account closing process... If they still offer this, i'd rather do this vs 100K brokerage and tie up my 100K... I opened a checking account with $1500 for a $200 bonus. Seemed like a good return and I didn't have to...
by confusedinvestor
Sun May 13, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: HSBC - Checking+Brokerage Bonus $750 for 100K in 90 days - Any catch?
Replies: 14
Views: 1486

Re: HSBC - Checking+Brokerage Bonus $750 for 100K in 90 days - Any catch?

Yes, that is my concern too, based on some internet forums. Can you please share few facts your "terrible experience" ? Lot of ppl have "terrible experience" with vanguard too ... I dont care about their "USA" attempt as long i get my $750 in 90 days + 8 weeks and then i will close the account and m...
by confusedinvestor
Sun May 13, 2018 10:33 pm
Forum: Investing - Theory, News & General
Topic: HSBC - Checking+Brokerage Bonus $750 for 100K in 90 days - Any catch?
Replies: 14
Views: 1486

Re: HSBC - Checking+Brokerage Bonus $750 for 100K in 90 days - Any catch?

Yes, that is my understanding but i am going to call them tomorrow at 1-800-662-3343, read the fine prints (disclosures) and let everyone know. If you can get $750 for parking 100k in transferred in kind securities there for 12 months, it's a good deal. Is that what they offer? I might take it mysel...
by confusedinvestor
Sun May 13, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: HSBC - Checking+Brokerage Bonus $750 for 100K in 90 days - Any catch?
Replies: 14
Views: 1486

Re: HSBC - Checking+Brokerage Bonus $750 for 100K in 90 days - Any catch?

OK, will call HSBC brokerage dept tomorrow on the fine print... I have got the similar bonus in Schwab where funds need to stay for 12 months as you said, good point, thanks again ! I received similar offers and have gotten cash bonus from Scottrade (now TD Ameritrade). I believe in the fine print i...
by confusedinvestor
Sun May 13, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: HSBC - Checking+Brokerage Bonus $750 for 100K in 90 days - Any catch?
Replies: 14
Views: 1486

HSBC - Checking+Brokerage Bonus $750 for 100K in 90 days - Any catch?

HSBC is offering $750 when you open up a checking + Brokerage account and maintain 100K for 90 days Is it a good deal ? I was thinking to open a checking account for $10 and move $100K from my BoA Merryll Edge using ACAT system and get the $750 after 90 days and then move it back to BoA ME from HSBC...
by confusedinvestor
Sat May 12, 2018 1:28 am
Forum: Investing - Theory, News & General
Topic: New Digital Advisor for $20/month - Worth it ?
Replies: 11
Views: 1467

Re: New Digital Advisor for $20/month - Worth it ?

I am looking for cash flow projections not for month or year but for my entire plan until end of plan for next 50 yrs in my case...
whodidntante wrote:
Sat May 12, 2018 12:57 am
My personal capital shows cash flow. Maybe we are using different personal capitals. It is, after all, personal.
by confusedinvestor
Sat May 12, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: New Digital Advisor for $20/month - Worth it ?
Replies: 11
Views: 1467

New Digital Advisor for $20/month - Worth it ?

https://www.brightplan.com/how-it-works Website says, plan first ($20/month), 1st month free and, says, it will show cash flow, which is not available in Personal Capital What do guys think on this service from the website ? I'm planning to open up an account and try this "risk free" for a month as ...
by confusedinvestor
Thu May 10, 2018 11:25 pm
Forum: Investing - Theory, News & General
Topic: GINDX Index Plus Fund -- An Index Hedge Fund
Replies: 19
Views: 1556

Re: GINDX Index Plus Fund -- An Index Hedge Fund

Many thanks lack_ey for such a detailed, technical, educational explanation. Much appreciated. I dont have finance or economics background, recently read - 4 Pillers of Investing By Bernstein and Right Financial Plan by Sawdroe, reading Random Walk now ..hopefully I can get to Thinking Fast and Slow...
by confusedinvestor
Thu May 10, 2018 12:34 am
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 21071

Re: Why International again?

Did you run your PV analysis as if you are a Japanese investor living in Japan with a country bias ? Japanese investor who invested in global porfolios (meaning having some US stocks) finally survived and maybe Vanguard has the perfect crystal ball that US will become Japan at some point during our ...
by confusedinvestor
Thu May 10, 2018 12:23 am
Forum: Investing - Theory, News & General
Topic: Cliff Asness (AQR) on Bloomberg discussing Fixed Income
Replies: 15
Views: 1762

Re: Cliff Asness (AQR) on Bloomberg discussing Fixed Income

I am enjoying this pod cast series. Loved these 2: http://ritholtz.com/2014/11/masters-in-business-the-robert-shiller-interview/ http://ritholtz.com/2015/09/mib-wsjs-jason-zweig/ B/c Prof Shiller and Jason Zweig again-again suggested 'indexing' - loving my "confirmation" bias toward 3 fund indexing....
by confusedinvestor
Wed May 09, 2018 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Why are stock returns expected to be so low over the next decade?
Replies: 27
Views: 4623

Re: Why are stock returns expected to be so low over the next decade?

Did you read what Vanguard 2017 outlook was (https://americas.vanguard.com/docs/literature/vanguard-economic-outlook-2017.pdf) and what really happened with SP500 for 2017 ? But in your subject, Credit Suis might be tad better forecast... Hello Bogleheads, There have been several posts as of late re...
by confusedinvestor
Wed May 09, 2018 11:41 pm
Forum: Investing - Theory, News & General
Topic: GINDX Index Plus Fund -- An Index Hedge Fund
Replies: 19
Views: 1556

Re: GINDX Index Plus Fund -- An Index Hedge Fund

Lack_ey, thanks for this detailed analysis. Can you please help me understand what does 90% long and 90% short means ? Is this like options trading ? This is an actively managed fund using the S&P 500 as a base and then adding an equity market neutral overlay on top of it, 90% long and 90% short.
by confusedinvestor
Wed May 09, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: GINDX Index Plus Fund -- An Index Hedge Fund
Replies: 19
Views: 1556

GINDX Index Plus Fund -- An Index Hedge Fund

Interesting...Thoughts ? GINDX Return (Since Inception)1 45.23% S&P 500 Return (Since Inception)1 36.47% https://www.gothamfunds.com/Funds.aspx?FundID=5 I heard about this fund strategy in this podcast - A prof at Columbia - http://ritholtz.com/2018/04/mib-joel-greenblatt/ ps: I dont own any active ...
by confusedinvestor
Sun May 06, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: How do brokerages make $s on cheap index funds?
Replies: 57
Views: 5163

Re: How do brokerages make $s on cheap index funds?

+1
and, there is no CAP in ER accrued fess for AUM per Account/Family for WholeSalers (eg Schwab, Fido, Vanguard too...)
livesoft wrote:
Sat May 05, 2018 9:17 am
0.03% is a awful big number when one is talking about a percentage of $500,000,00 to $5,000,000,000.
by confusedinvestor
Sun May 06, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: Do you use Morningstar X Ray? Why?
Replies: 3
Views: 574

Re: Do you use Morningstar X Ray? Why?

Will do - Thanks Livesoft, as always!
livesoft wrote:
Sun May 06, 2018 1:29 pm
See this thread which shows how I use M* X-ray:
viewtopic.php?f=10&t=150267&p=3233805#p3233805
by confusedinvestor
Sun May 06, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Do you use Morningstar X Ray? Why?
Replies: 3
Views: 574

Do you use Morningstar X Ray? Why?

My Dear BH Friends, Do you use Morningstar Portfolio X-Ray/ Portfolio Snapshot ? If yes, which M* fields (eg Net ER, Your Style Box vs Cap Weighted) do you look at ? and why ? and, What Actions you take after reviewing those data (eg Rebalance) ? I'd appreciate your insights and few actionable tips!...
by confusedinvestor
Wed May 02, 2018 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Are Vanguard funds really any better than Schwab funds?
Replies: 28
Views: 3080

Re: Are Vanguard funds really any better than Schwab funds?

Nisiprius, LadyGeek, Is there a updated wiki showing comparison of MF (not just ETFs) on Vaguard vs Schwab vs Fidelity ? I heard Schwab Small Cap and Large Value Indexes cost 4x lower vs Vanguard Investor shares ER, need to double check... You might want to read the Wiki article: https://www.boglehe...
by confusedinvestor
Wed May 02, 2018 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Are Vanguard funds really any better than Schwab funds?
Replies: 28
Views: 3080

Re: Are Vanguard funds really any better than Schwab funds?

Fund ER-Bps Minimum-$
VTSAX 3 bps $10000
SWTSX 3 bps $1

Does this mean SWTSX is better for my Kids Roth IRA ?

I'd say, yes, but, I dont know what is the real catch here with Schwab these days vs Vaguard.
by confusedinvestor
Wed May 02, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: What are the questions you would ask a Financial Advisor ?
Replies: 59
Views: 4051

Re: What are the questions you would ask a Financial Advisor ?

Hi Dbr, I edited my questions, down to 6 from 15, please let me what you think now? There are so many CFPs in the market with wide range of skills, fees, experiences, so it is challenging to find who would be a good fit for my surviving family. My current plan is simple: 1. Save 2. Invest Savings 3 ...
by confusedinvestor
Tue May 01, 2018 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: At what point should you hire a financial advisor?
Replies: 25
Views: 2392

Re: At what point should you hire a financial advisor?

Congratulations to you, your family and your heirs ! The fact you self doubt of self money management and/or daily fluctuations , you may want to get fee-only hourly consultations with a CFP+CPA - I'd not sing up with a AUM model, given such large assests. If I were you, I'd get a good AA book and B...
by confusedinvestor
Tue May 01, 2018 9:38 pm
Forum: Investing - Theory, News & General
Topic: What are the questions you would ask a Financial Advisor ?
Replies: 59
Views: 4051

Re: What are the questions you would ask a Financial Advisor ?

Which questions do you think are verge of insult ? Then I'd certainly take those off. My goal is to find a technical CFP (not CFA) with good Tax knowledge (either EA/CPA) who charges yearly fixed retainer fees (not AUM model). I'm going to reduce my original 15 questions to maybe 5 max, given the fe...