Dealing with the passing of a family member is an emotionally draining experience and dealing with the financial tasks that come along with it can add to the stress. Proper planning and specifically, the titling of your assets can make your experience a bit less troublesome. A transfer on death account or TOD is a very simple means of having your non-qualified accounts (savings accounts, taxable brokerage accounts) transfer to beneficiaries of your choice and more importantly

If I had a penny for every time someone has said to me.... “If only I bought Google on its IPO and never sold a share”… well, I would have at-least a handful of pennies. Its true, had you been lucky to buy shares of Google and never sold a penny, you would be quite well off today. This of course would have required that you purchased shares and had the discipline to hold the position. We as human beings tend to suffer from hindsight syndrome and FOMO (fear of missing out). Th

After seeing a fairly sharp decline from mid 2014 to end of 2015, it appears that corporate earnings are gaining momentum. When compared to the price of the S&P 500, you can see the correlation. I have often referred to the mid 2014 to end of 2015 time frame as a "stealth" bear market. We experienced a decline in earnings, however equity prices never reached bear market territory. It appears now, that corporate profits are back on track, which I view as positive. Important Di