Government plans for confiscation have made their way into headlines dozens of times over the past 5 years.Teresa Ghilarducci's Guaranteed Retirement Accounts (GRAs) were proposed all the way back in 2007 to double down on Social Security and attempt to guarantee a 3% gain in retirement accounts. Inflation would never be higher than 3% would it?Hungary, Poland, Ireland, and Argentina all going after their citizen's retirement accounts to fill the deficits during "temporary" periods of financial disaster. Read more [...] Read More →

Government modifies behavior through tax incentives. Incentives cause bubbles. You don't need to look beyond housing prices, 'clean energy', cheap credit and our war-driven economy. Congress has given individuals a reason to save in 1974 through deferring taxes on current earnings. 401k plans, IRAs, and other contribution plans have now equal one year's GDP. Now the tides have turned. Read more [...] Read More →

As President Obama sealed another four years last Tuesday, it became clear that you need a renewed sense of urgency about for protecting your money. There are many unknown risks arising from the uncertainty with regard to tax rates and the fiscal cliff. Congress will spend the next 51 days positioning and negotiating. Then it will only take about 12 hours to draft and pass an approximately 500 page tax program that will last us for the next year or two. The likely outcome will not be significant Read more [...] Read More →

Not a day goes by without speaking with someone seeking to diversify their assets into foreign jurisdictions. Read more [...] Read More →

Especially if owned in foreign countries, the omnipresent hand of the U.S. government is not able to swipe foreign real estate away from you like they could basic equities. Read more [...] Read More →

Managing your own finances can be complicated and intimidating. Many prefer to take recommendations from their neighborhood banker or friend from high school who now manages money after a failed engineering degree. Read more [...] Read More →

There's an investment people previously purchased, in which every single one of them regrets their decision. Read more [...] Read More →

70 million US taxpayers are set to retire in the next 19 years. That's over 10,000 retirement parties every single day. Read more [...] Read More →

Financial institutions are failing, businesses of all sizes are shutting their doors, and unemployment is stubbornly high. Debt is a big part of the problem, as many of these institutions and people have lived beyond their means for many years. But it's mainly because of a lack of confidence in the future. Read more [...] Read More →