Why Pay for Financial Advice?

The Federal Reserve (or the Fed) is the central bank of the United States of America. So why would such experts pay commissions to buy bond ETFs when there are so many “free” brokers out there? One answer? They were paying for advice. And this reveals a lot for individual investors out there.

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The 100 Year Bet: Behind Austria’s 100-year Bond and What it Means for Financial Planners

You might think twice about lending your buddy a thousand dollars to be repaid in 100 years. So why, then, did investors flock to buy Austria’s 100-year bond? Why, also, did investors not flood to buy Argentina’s 100-year bond? Why does the United States not even have a 100-year bond? The answers are fascinating and shed insight into Emergent’s thoughts on financial planning and cash flow investing.

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Hertz: A Cautionary Tale for Inexperienced Investors

What does Robin Hood have to do with Hertz? On May 22, Hertz filed for bankruptcy, but by June 8, their stock was trading like crazy as 533 million shares, worth almost $3 billion, had been traded. How could this be? The answer lies with easy-trading apps and inexperienced investors and reveals some more pitfalls of the DIY investing trend.

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How Little We Know: Uncertainty in the Economy

Most recessions are not recognized until after the fact. This recession was different. We knew exactly what caused it and when it happened. But having that knowledge is of little use in computing how quickly we will get out of it. In other words, we are seeing an economic “uncertainty principal” at work.

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DIY Investing? The Pitfalls of “Free” Trading

You have undoubtedly seen the ads reflecting how the costs of buying stocks has declined. But is free actually free? And is free actually better? Is a do-it-yourself (DIY), low-cost world of individual traders a better one? Such questions are impossible to answer unless we first examine the potential pitfalls and dangers that can arise from this new world of “free” investing.

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Retirement savings: To buy or not to buy…time

Time frequently appears to slip through your fingers faster than water. Yet there is one area where buying time can be done and is very beneficial. Retirement savings can benefit from exercising patience and “buying time” for them to continue to grow so that they will last longer.

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A Holistic Financial Planner

A financial plan is more than just the numbers in a brokerage or savings account. A financial planner can and should take a holistic view of a client’s situation and take that into account when making decisions.

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