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

• Financial Advice for My New Son by Morgan Housel (October 2015)

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

• Income-Based Repayment and Loan Forgiveness” by Jarrod Johnston, Ph.D., CFP and Ivan Roten, Ph.D., CFP (JFP; April, 2015) 

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

• A Comparison of Retirement Strategies and Financial Planner Value by Terrance K. Martin Jr., Ph.D.; and Michael Finke, Ph.D., CFP (JFP; November, 2014)

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

• Weighing a Pension Payout by George Yacik (Financial-Planning.com; February, 2013)

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)