Most portfolios are constructed based on an individual’s investment objective, risk tolerance and time horizon. Using these inputs and sophisticated portfolio-optimization calculations, most investors can feel confident that they own a well-diversified portfolio, appropriately positioned to pursue their long-term goals.¹ However, as a retiree, how you choose to live in retirement may be an additional […]
BUY, SELL, HOLD? YES! For the past six years, the US stock markets have enjoyed a prolonged bull market. This historic run rose from the rubble of the 2008 financial crisis and, aided by near-zero interest rates and three rounds of quantitative easing from the US Federal Reserve (the Fed), pushed US stock indexes to […]
Richard Zeitz, President of Bravias Financial was recently featured in U.S. News & World Report regarding Tips For Successful Senior Investing. Seniors look for retirement income out of their investments, but chasing yield carries extra risk. Richard discusses fixed indexed annuities as an asset class and how they can help investors obtain attractive yields over time. while […]
How many of these items can you knock out before 2016?
‘Tis The Season For A Rate Hike As 2015 draws to a close, global markets are entering a period of transition. The interest rate environment, commodities market, emerging economies, and western politics find themselves at turning points. Over the next 12 months, investors should expect a series of pivotal announcements that impact global markets. The […]
Advising Federal Employees There is certainly no shortage of financial advisors in this great country. Consumers can find quality retirement planning advice from a vast pool of financial professionals, all of whom do a lot of things well. However, for Federal employees, finding an advisor who not only has years of experience, but also focuses on […]
Insuring Your Business With a Buy/Sell Agreement Tip: All in the Family. Family owned businesses account for 60% of total US employment and are responsible for 78% of all new jobs. Yet only about 30% of them survive into the second generation. Source: Harvard Business Review, April 10, 2014 Life insurance is designed to help protect […]
The Bull Is Back? After a rough summer, investors got a reprieve in October. As companies started to announce their third quarter earnings, the results were cause for relief. More than usual, those companies beat their earnings expectations and that was in spite of the tumultuous events of the summer. Investors interpreted that resilience as a sign that the US economy […]
This month, Carolyn Ellis of Life & Health Advisor magazine interviewed Richard Zeitz about his experience as a financial advisor that specializes in Federal benefits, is helping Federal employees better understand their CSRS / FERS retirement benefits so they can plan for a more secure retirement. InProfile: Richard Zeitz of Bravias Financial […]
A Primer on Irrevocable Life Insurance Trusts I’m proud to pay taxes in the United States; the only thing is, I could be just as proud for half the money. – Entertainer Arthur Godfrey1 The irrevocable life insurance trust (ILIT) can be an important estate strategy tool that may accomplish a number of estate objectives, […]
