By Glenn J. Downing, MBA, CFP®
Charitable Giving
As a financial adviser, I am privileged to work with many wonderful people who give generously. These are people who want to leave a legacy. These are clients who want to leave money behind which will continue to accomplish the good works the donor ...
By Glenn J. Downing, MBA, CFP®
As many of you know, I am a CFP® instructor with Zahn Associates and have been for many years. As I write I'm reviewing the material for General Principals of Financial Planning, which I’ll be teaching again soon. Part of that course is college funding.
In the conte...
by Glenn J. Downing, MBA, CFP®
The fundamental reason to buy life insurance is that someone else is depending upon you for a living. Plain and simple. It is risk transfer: in exchange for premium dollars, the insurance company will make a payout at your demise.
The life insurance industry is on...
by Glenn J. Downing, MBA, CFP®
If you dropped dead tomorrow your family would be in a world of hurt. You know this. Yet you haven't purchased life insurance. Why not? Before you get into it, check out Part I and Part II of this 3-part series.
Why Haven't You Purchased Your Life Insurance?
T...
by Jonathan G. Cameron, CFP®
Having great investment portfolio returns may not get you to your retirement goals. You could have (in theory) spectacular returns every year for 20 years and still not realize the retirement you want. Do we like strong investment performance? Sure. Should stellar perfo...
By Glenn J. Downing, MBA, CFP®
It used to be the case that you went to work for one employer and remained with that employer for the entirety of your working life. You received a pension from that employer when you retired – in other words, you continued to get paid a lesser amount even though you...
by Glenn J. Downing, MBA, CFP®
In Part I of this 3-part series I gave a brief history of the life insurance industry.
Here in Part II I'll go over the main applications for life insurance policies. Next, in Part III, I'll discuss some of the behavioral issues in obtaining coverage.
Uses of ...
by Glenn J. Downing, MBA, CFP®
I came to financial planning as a profession in my 40’s, having made a mid-life transition from retail management. I worked in both department stores and specialty retail and generally enjoyed the work. I always enjoyed Christmas in the stores – the music, the new fr...
