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The Problem with Running to Cash When Times Get Tough

Posted on: May 24, 2019| Posted by: Jon Powell | Behavioral Finance, Investment Decisions

Albert Einstein was said to have described compound interest as “the eighth wonder of the world” and that it is “the most powerful force in the universe”. High praise from one of history’s greatest scientists about an elementary-level concept of finance. I mean, he’s right. Warren Buffet, widely regarded as one of the greatest investors […]

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Non-Financial Advice to Help Achieve Financial Success

Posted on: October 2, 2018| Posted by: Jon Powell |

We believe that financial success will lead us to happiness. There’s the adage: “money can’t buy happiness” and broadly speaking, I agree with that. But, there’s no ignoring that financial stress is cited as the leading cause of divorce. Tragically, financial loss or instability has led people and families down destructive paths. While money may […]

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Tuning Out the Noise

Posted on: August 28, 2018| Posted by: FJ Wealth Management |

The right financial advisor plays a vital role in keeping investors focused on what really matters.

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Things to Think About Before Deciding to Payoff a Mortgage Early

Posted on: August 20, 2018| Posted by: Jon Powell | Behavioral Finance, Major Financial Decisions

Many view debt-free homeownership as an important step on the journey to financial freedom and, eventually, a successful retirement. As housing costs increase across the country, particularly in and around major cities, being able to live in your home while only paying tax and insurance can go a long way toward keeping monthly expenses manageable. […]

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Fee-Only Advisors and Incentives

Posted on: June 26, 2018| Posted by: Jon Powell | Financial Planning, Major Financial Decisions

Incentives are one of the most powerful economic forces in the world. It doesn’t matter what industry you’re looking at, you can typically draw a straight line between the incentives offered to an individual and the way they go about performing their job. Take for example a problem Fedex had many years ago. Logistically, Fedex […]

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Fixed Income Investing in an Era of Rising Interest Rates

Posted on: March 29, 2018| Posted by: Jon Powell | Behavioral Finance, Investment Decisions

Let’s talk about bonds for a minute. Occasionally, we get asked about what the future prospects are for bond investors. Sometimes with the implication being: “Should I be invested in bonds at all?” For the past decade, we’ve lived in a very low interest rate environment, relative to historical averages. (Click charts below to enlarge) […]

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Recent Market Volatility

Posted on: February 9, 2018| Posted by: Jon Powell | Behavioral Finance, Investment Decisions

It’s been grizzly out there. Times like these give me a chance to share my absolute favorite quote about markets. From Bill Bernstein’s book, he recalls how investor Ralph Wagoner explained markets: “He likens the market to an excitable dog on a rather long leash in New York City, darting randomly in every direction. The […]

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It’s Required Minimum Distribution Season

Posted on: December 18, 2017| Posted by: Jon Powell | Investment Decisions, Tax Efficiency

It’s Required Minimum Distribution (RMD) season (or Minimum Required Distribution – MRD, same thing). Beginning the year an individual turns 70 ½ mandatory distributions from certain tax-deferred retirement accounts must begin. Each year, the amount required to be distributed increases as a percentage of a retirement account’s balance. This percentage starts out small – about […]

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The Wall Street Journal & Morningstar Are Fighting

Posted on: October 27, 2017| Posted by: Jon Powell |

The Wall Street Journal and Morningstar are fighting. On Wednesday, an in-depth piece ran in the Wall Street Journal that attacked Morningstar’s rating metrics as being misleading and causing individuals, advisors, pension funds, and endowments to make poor decisions about where to invest. Later that day, Morningstar issued an aggrieved response that claimed that the […]

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Early Fall Update To The Trump Tax Plan

Posted on: October 3, 2017| Posted by: Jon Powell | Current Events, Tax Efficiency

Once again, the President and several officials placed in charge of revamping the US tax code have released an outline for what they hope tax reform will accomplish this year. And once again, it is short on crucial details that would let us know the exact ramifications of the policies they aim for. You may  […]

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