If you’re perfectly capable of running your own retirement savings, selecting the right mix of low-cost investments, rebalancing at the right time and not buying and selling out of fear or greed, then good for you. But the majority of people — maybe the vast majority — are not like that. They may be smart enough… Continue reading →

Scott Puritz has been around money for most of his 62 years, so he knows something about the subject. He comes from a family of entrepreneurs. He attended Harvard Business School. He loves researching, discussing and creating able enterprises. The enterprises he’s built include a profitable cake-delivery company in college (it still exists) to one… Continue reading →

Recently, the U.S. Senate held hearings on new rules to make retirement investing safer for all Americans. My partner, Managing Director of Rebalance Scott Puritz, is a nationally recognized authority on retirement investing and was asked to provide the Senate with expert testimony on the subject. Senator Al Franken: Mr. Puritz offers his clients asset… Continue reading →

Rebalance Managing Director Scott Puritz joined legendary Vanguard founder John Bogle, and other industry leaders, in the continued fight against unfair investment practices at the recent launch of the groundbreaking initiative ‘Campaign for Investors.’ This week, I had the distinct pleasure of participating in the Institute for the Fiduciary Standard’s “Campaign for Investors” launch. As a… Continue reading →

I purchased a home in 1980 (before the practice!) at the peak of the housing boom  for $800 per month per month  (12 percent interest rate), bought a new car in 1981 for $310 a month (18 percent), then finally took out a practice loan in 1982 for $1,500 a month (19.5 percent). These loans… Continue reading →

There are all kinds of scams out there. Knowing where you are investing and how to avoid swindlers are important for your financial future. Here are 10 warnings and recommendations to help keep your savings and investments safe. Red Flag #1: Variable Annuities Consumer Reports Money Adviser commented in a recent “Red Flags” article: They’re… Continue reading →

You are finally done — a doctor. And you’ve waited seemingly forever as your non-medical friends now have nice autos and purchased a home. They also have the time and money to dine out and entertain frequently. But it’s your time to shine! That first BMW and mortgage are way overdue. And these possessions need… Continue reading →

Dr. Bob, age 55, with an income exceeding $250,000 and a portfolio approaching $400,000, lived with his wife, Claudia, in a lovely community. He was determined to enhance the lifestyle of his daughter, Kelly, and son-in-law, Matt, both age 28. Bob paid a sizeable portion of the down payment for a home in an upscale… Continue reading →

I received the following letter from a young dentist recently. He represents the typical new general dentist in many ways. I am 32 years old with three children aged four, two and one-half, and 6 months. I graduated from dental school in 2013. My wife has a master’s degree, yet plans to raise the kids… Continue reading →