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So far oakcapital_z2pgun has created 12 blog entries.

3 Ways Investment Fees Matter

By |2018-04-23T18:40:38+00:00May 18th, 2017|Categories: Financial, Financial Advisors, Investment|

The year 2005 was when I first began to manage client’s investments. The ensuing few years afforded me the false pretense that I had a grasp of things. Then it hit, the S&P 500 declined (53.0%) from October 15, 2007 to March 2, 2009. And (38.0%) of that loss occurred in one calendar year, 2008. Since [...]

Should You Pay off Your Mortgage?

By |2018-04-23T18:04:59+00:00May 18th, 2017|Categories: Financial, Financial Advisors, Investment|

To pay or not to pay…that is the question. It sounds good, right? Pay off the mortgage and suddenly you have no more monthly payments, better cash flow, and the opportunity to make other investments. After all, buying home is an investment, but owning a home is the American Dream. Right? Maybe…maybe not. While owning a [...]

Is a Living Trust Right For You?

By |2019-10-16T18:05:05+00:00August 19th, 2016|Categories: Financial, Investment|

A living trust – or a will?  Can you get by with a will only, or do you need more? You see the ads all the time: “Should you have a living trust?”  There is no pat answer.  The fact is, the more complex your estate, the more your need for estate planning – and [...]

Taking A Loan From Your Retirement Plan = Bad Idea

By |2018-04-23T18:08:28+00:00August 12th, 2016|Categories: Financial, Financial Advisors, Investment|

Thinking about borrowing money from your 401(k), 403(b), or 457 account?  Think twice about that, because these loans are not only risky but injurious to your retirement planning. A loan of this kind damages your retirement savings prospects.  A 401(k), 403(b), or 457 should never be viewed like a savings or checking account.  When you withdraw [...]

Will Your Children Receive a Fair Share of Your Wealth?

By |2018-04-23T18:09:23+00:00August 5th, 2016|Categories: Financial, Financial Advisors, Investment|

Will your invested assets go where you want them to when you die? If you have a proper will or estate plan in place, you will likely answer “yes” to both of those questions.  The beneficiary forms you filled out years ago for your IRA, your workplace retirement plan, and your life insurance policy may give [...]

Can I Name A Minor As My Beneficiary?

By |2018-04-23T18:10:35+00:00July 29th, 2016|Categories: Financial, Financial Advisors, Investment|

Naming a minor as beneficiary brings up a major concern.  If parents or grandparents make a child a primary or contingent beneficiary of an insurance policy, IRA or investment account, they should be aware that most policies and investments will not directly transfer to a minor.  They need to be received by a court-approved property guardian, [...]

Should You Pay Off Your Mortgage?

By |2018-04-23T18:11:38+00:00July 11th, 2016|Categories: Financial, Financial Advisors, Investment|

To pay or not to pay…that is the question.  It sounds good, right?  Pay off the mortgage and suddenly you have no more monthly payments, better cash flow, and the opportunity to make other investments.  After all, buying home is an investment, but owning a home is the American Dream.  Right?  Maybe…maybe not. While owning a [...]

The Top Ten Reasons Not To Plan For Retirement – A Different Kind Of Top Ten List

By |2018-04-23T18:44:50+00:00July 1st, 2016|Categories: Financial, Financial Advisors, Investment|

Reason #10:  “I’m too busy” I can’t tell you how often I hear this explanation.  So many people want to plan for a better retirement, but they don’t have the time.  They think they’ll take care of it tomorrow, or the day after that … and before your know it, several years have gone by.  The [...]

If you have decided to get a Divorce, are you prepared Financially?

By |2018-04-23T18:46:48+00:00June 20th, 2016|Categories: Financial, Financial Advisors, Investment|

Here are some things you should think about. Do you have children? Think about updating your Will to include a Trust. Name a conservator. Name a trustee Make arrangements with your attorney to have these papers drawn up prior to the completion of the divorce process.  This is not something you want to put off and [...]

Five Saving Secrets – How To Increase Your Savings Without Significantly Lowering Your Quality Of Life

By |2018-04-23T18:50:32+00:00June 9th, 2016|Categories: Financial, Financial Advisors, Investment|

What’s the problem?  In general, when it comes to a lack of savings, it is often not a question of low income, but a matter of high spending.  While it’s very true that often we’re put into situations where we must spend money (due to loss of employment, health care bills, home repairs, etc.), for many of [...]