As I’ve noted elsewhere, it used to be that if a man wanted to impress a woman, he’d flash a bankroll.  Now she’d likely flee in horror at such Neanderthal-like behavior.  It is the platinum card she wants to see.  On second thought, actually using a credit card might also be too old-school for her ...

Tax Reasons for the Subchapter S Election

There are lots of great reasons to organize your business as a corporate entity with a Subchapter S election.  You have limited personal liability, flow-through of net income, ability to take a Section 199A deduction, and ability to, as the owner, split you...

January of 2023 kicked off with a bang. We’re in the midst of a stock market rally that we haven’t seen in over a year.  The market rose, and rose, and kept rising – all in the last 8 weeks.  We’re far from all-time highs, and expect that to be the case for a while yet, but this is a positive sig...

Have we reached a stock market bottom yet? 

"Are you kidding me? After the big price drops we've seen the last few days?"

We get it. Pessimism is popular right now. But here we give you an optimist’s case for the market:

Look at the three major stock market benchmarks – the Dow Jones Industrial A...

By Glenn J. Downing, MBA, CFP®

We all know it is coming – that at one point Till death us do part becomes a reality.  What a sad time - someone dear to us has gone away, never to return, and will be missed greatly. 

Do Nothing Until You Really Need to

As a financial planner, I hope that the coupl...

By Glenn J. Downing, MBA, CFP®

You want to retire in a few years, right? And you know you haven't saved enough.  But there are bills to pay, and at the end of the month there’s nothing left.  In fact, there’s often a shortfall.  What can you do?

 Short answer:  a lot.  If this is your situation, y...

 By Glenn J. Downing, MBA, CFP®

You may have noticed in all CameronDowning email signatures this text:

                                      Where 5% of all revenue is donated

                                        To homeless assistance in Miami.

What’s behind this?  I thought my readers might...

By Glenn J. Downing, MBA, CFP®

Child:  But Daddy – that’s not fair! 

Daddy:  Well, son, life’s not fair.  Whoever said it is lied to you.  Fair is where you go to ride rides. 

Anyone who’s ever been in one of my CFP® classes has heard me use this expression, and indeed I picked it up in one of ...

We have a hot real estate market in Miami!

I see it from acquaintances who are looking for houses:  sellers receive multiple offers, often over ask, and properties are sold before they even get a chance to swing by for a look!

I loved living in New York City (years ago) and I love living in Miami....

 By Glenn J. Downing, MBA, CFP®

What follows is one of my all-time favorite quotations, from Alice’s Adventures In Wonderland.  The background is that Alice has come to a fork in the road and wonders out loud which way to turn.  The Cheshire Cat materializes, and the following conversation ensures:...

 By Glenn J. Downing, MBA, CFP®

My industry – financial planning and investment management – unwittingly puts a lot of pressure on people to retire.  We all have retirement accounts and look forward to the day when we no longer set the alarm clock.  Planning for retirement is a big deal - sort of l...

by Glenn J. Downing, MBA, CFP®

With mortgage rates so low, we’ve been looking at mortgage refinancing for a few of our clients lately, to see if it might be in their best interests.  Here’s what we know: 

• For those with strong credit, 30-year rates are just below 3%, and 15-year rates are in the
...