Articles
Important FFG Documents
- Investment Supervisory Services – Agreement and Disclosures
- Financial Planning – Agreement and Disclosures
- Retirement Plan Advisory Services – Agreement and Disclosure
Advice For Our Children
Annuity Information
- 7 Reasons I'm Not Fond of Annuities (December 2015)
- Kitces: Bond Ladder vs. Immediate Annuity By Michael Kitces (December, 2015)
- How to Avoid Problems Associated with Life Annuities by Joseph M. Belth (www.josephmbelth.com blog #2; October, 2013)
- Examining the Benefits of Immediate Fixed Annuities in Today’s Low-Rate Climate by David M. Blanchett, CFP, CLU, AIFA, QPA, CFA (JFP January, 2013)
- The High Price of Tax-Deferral by Peter C. Katt, CFP, LIC (AAll Journal Volume XXI; February, 1999)
Charles Schwab
Choosing A Financial Advisor
- Future Tense by Bob Veres (FP.com January 2013)
- Due Diligence: The Five Key Rules to Heed Before Hiring a Financial Advisor by Jonathan Clements (WSJ May 2006)
College Planning
Fiduciary Standard
- “Stop Fighting Over “Fiduciary” by Bob Veres (Financial Planning, December 2014)pet
- Fiduciary Standard of Care - Rekindling the Debate by Joseph M. Belth (www.josephmbelth.com blog; October, 2014)
- The Troubling Sound Bite by Donald B. Trone (FA Magazine; September, 2013)
- The Broadest Fiduciary Standard by Bob Veres (JFP; November, 2012)
- How the Fiduciary Standard Protects You by Sheyna Steiner (Bankrate.com; June, 2012)
Florian Financial Group - Financial Planning
Florian Financial Group - Investment Management
- A Written Plan Can Help Your Portfolio by Thomas Coyle (WSJ.com; May, 2012)
- Writing the Book on Investment Policy Statements by Tim Johnson (Planner Focus; May/June, 2004)
Health Care, Long Term Care and Medicare
- Life Expectancy and Health Care Planning by Lewis J. Walker, CFP (JFP February, 2013)
- Long-Term Care: Helping Clients Make the Right Choices by Karyn L. Neuhauser, Ph.D. (JFP November, 2012)
- Seeking Alternatives to Long-Term-Care Insurance by Tom Nawrocki (JFP May, 2012)
- The Interface Between Continuing-Care Retirement Communities and Long-Term-Care Insurance by Linda L. Nelms, CPA, CMA; Sarah L. (Betsy) Mayes, CPA and Betty Doll, CLTC (JFP May, 2012)
Investment Research and Thoughts
- "Peter’s Uncertainty Principle” by Jason Zweig (CNN Money/Money Magazine; November, 2014)
- "Are You Well Diversified?" What Does That Really Mean? By Jerry A. Miccolis, CFP, CFA, FCAS, CERA and Marina Goodman, CFP, CFA (JFP September, 2014)
- "New Map of Performance" by Craig L. Israelsen (Financial-Planning.com; January, 2014)
- “The Subtle Influences of Past Performance” by Mark W. Riepe, CFA (JFP; November, 2013)
- "Stop Chasing Performance" by Craig L. Israelsen (Financial-Planning.com; November, 2013)
- Controlling the Urges: How Biases Influence Our Investment Decisions by Jay Mooreland, CFP (May 2013)
- "Survival Test" by Craig L. Israelsen (Financial-Planning.com; February, 2013)
- Dynamic Asset Allocation: Using Momentum to enhance Portfolio Risk Management by Jerry A. Miccolis, CFA, CFP, FCAS, and Marina Goodman, CFP (February 2012)
- 10 Questions with Noteworthy People – Harry M. Markowitz on Modern Portfolio Theory, the Efficient Frontier, and His Life’s Work by Amy E. Butell (JFP May, 2010)
- Less Appreciated Aspects of Indexing vs. Active Management by Mark W. Riepe, CFA (JFP, August; 2009)
- The Rewards of Multiple Asset Class Investing by Roger C. Gibson, CFA, CFP (JFP July, 2004)
- “It’s Time to Dump Static Asset Allocation” by William Jahnke (JFP; June, 2004)
- “The Probability of Success” by William J. Bernstein (www.efficientfrontier.com; September 2003)
Life Insurance
- I Don't Need Life Insurance By David M. Cordell, Ph.D., CFP, CFA, CLU
- Are You (and Your Beneficiary Designations) up to Date? By David M. Cordell, Ph.D., CFP, CFA, CLU and Thomas P. Langdon, J.D., LL.M., CFP, CFA (JFP September, 2014)
- Analyzing the Value of Life Insurance as an Investment by Jordan H. Smith, J.D., LLM (JFP March 2014)
- One Life Insurance Size Doesn’t Fit All Estate Planning Situations by Peter C. Katt, CFP, LIC (July, 2013)
- A Practical Understanding of Cash Value by Peter C. Katt, CFP, LIC (JFP March, 2013)
- The Confounding Nature of Policy Maturities by Peter C. Katt, CFP, LIC (JFP November 2012)
- Cash Value Life Insurance for the Bad Times by David M. Cordell, Ph.D., CFA, CFP, CLU and Thomas P. Langdon, J.D., LL.M., CFA, CFP (JFP January, 2012)
- Managing Life Insurance: Loans or Withdrawals by Peter C. Katt, CFP, LIC (JFP November, 2009)
- Life Insurance Options for Tough Times by Peter C. Katt, CFP, LIC (JFP March, 2009)
- Coming to Terms with Term Insurance by Peter C. Katt, CFP, LIC (JFP November, 2007)
- “Measuring Human Life Value from the Courtroom to the Living Room” by John E. Scarbrough, PhD (Journal of the American Society of CLU & ChFC; January, 1998)
Pension Payout
Retirement Planning
- Why David Blanchett's Retirement Spending Research is a Big Deal by Jonathan Guyton, CFP
- Determining Withdrawal Rates Using Historical Data by William P. Berger (JFP, October 1994) and The 4% Rule. It was 20 years ago today by Jonathan Guyton, CFP (JFP October 2014)
- Is the 4 Percent Rule Too Low or Too High? By Wade D. Pfau, Ph.D., CFA (JFP August, 2014)
- Efficient Retirement Income Strategies and the Timing of Annuity Purchases by Sam, Pittman, Ph.D. (JFP November, 2013)
- The Benefits of a Cash Reserve Strategy in Retirement Distribution Planning by Shaun Pfeiffer, Ph.D.; John Salter, Ph.D., CFP, AIFA and Harold Evensky, CFP, AIF (JFP September, 2013)
- Should You Pay Off Your Mortgage Early? (Robert Powell is editor of Retirement Weekly, published by MarketWatch) (August, 2013)
- Spending Flexibility and Safe Withdrawal Rates by Michael Finke, Ph.D., CFP; Wade D. Pfau, Ph.D., CFA and Duncan Williams, CFP (JFP March, 2012)
- Mortality Assumptions: Are Planners Getting It Right? By Cheryl Krueger, CFP, FSA (December 2011)
- Mortality Table
- "Mirror, Mirror on the Wall…" by Jonathan Guyton, CFP (JFP October, 2004)
- "Decision Rules and Portfolio Management for Retirees: Is the 'Safe' Initial Withdrawal Rate Too Safe?" by Jonathan T. Guyton, CFP (JFP October, 2004)
Retirement Thoughts
- "Introducing a New Way to Talk about Working in Retirement" by Mitch Anthony (JFP June, 2014)
- "Life Planning Meets Retirement Planning - A Q&A with Roy Diliberto" by Carly Schulaka (JFP December, 2010)
Social Security
- Recent Changes in the Gains from Delaying Social Security by John B. Shoven, Ph.D., and Sita Nataraj Slavov, Ph.D. (March 2014)
- Advisors Still Don’t Know Enough About Social Security by Dave Lindorff (financial-planning.com; January, 2014)
- 2014 Fact Sheet
- Timing Social Security Benefits and IRA Distributions by Ed Slott, CPA (September, 2013)
- Preparing Your Social Security Statement by Florian Financial Group (June, 2013)
- How the Social Security Claiming Decision Affects Portfolio Longevity by William Meyer and William Reichenstein, Ph.D., CFA (JFP April, 2012)
- Widowed Before Retirement Social Security Benefit Claiming Strategies by Shuart, Weaver & Whitman(JFP April, 2010)
- “When Everything You Have Is Enough” by Ross Levin, CFP (JFP; February, 2003)