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Archive for Blog – Page 8

How Much Do You Need to Save for College?

Posted by Frank McKinley on
 June 15, 2020

The ever-rising cost of college is common knowledge. Depending on the school a student chooses, the cost of tuition, room, and board for an undergraduate
degree can easily exceed six figures. With costs so high, many parents are simply overwhelmed. Saving enough to cover all of a child’s college education expenses may seem like an impossible goal. Many parents don’t get started, or if they do save, they don’t save enough.

If you want to help your children pay for their college costs, you need a clear savings strategy. Below are some simple guidelines for determining how much you really need to save.

Estimate How Much College Will Really CostHow much will you need to save for college?

According to data from the College Board, a year of tuition, room and board in the 2018-19 academic year costs $21,270 at a public institution and $48,510 at a private nonprofit institution. Assuming future increases of 3% annually, that means in 18 years, a year of college will cost more than $36,000 at a public
school and roughly $82,000 at a private school.

Those estimates are staggering. Of course, it’s possible college costs will level off or increases won’t be quite so steep. But in any case, the young children of today will likely face much higher college costs than students do today.

Why does all this matter? Because you need to get a sense of what it might actually cost your child to attend college. If you have a baby who was born this year and hope to send him/her to a private four-year college, you’d need to save about $328,000 to cover all the costs.

Decide How Much You Want to Save

Once you have an idea of how much your children’s college might cost, you can set realistic savings targets.

Say you want to be able to cover 80% of the cost at a four-year, private college for your child, with the expectation that your child will either obtain grants or scholarships or take out loans to pay the remaining portion. That means a savings goal of $262,000 at the end of 18 years. To hit that target, you’d need to set aside about $728 a month, assuming annual returns of 6%. If you want to cover 80% of the costs of a four-year education at a public college (estimated
at $144,000), you’d need to save $115,000. To reach that goal, you’d need to save about $372 a month, assuming annual returns of 6%.

If your initial savings estimates are high, consider tweaking your goals. Meeting 80% of your child’s estimated college costs may be unreachable, but 70% may be a more achievable goal.

Also, consider other sources you can tap to boost savings. Grandparents may be willing to make contributions. Monetary gifts your child receives for birthdays and other milestones can be added to a college fund. Finally, don’t count out the possibility of financial aid.

Create a Plan

The estimates above are just that — estimates. Unfortunately, many parents have little idea how to get started saving.

Sticking funds in a low-interest savings account reduces risk, but means you’ll have to save more. A 529 college savings plan, which offers tax advantages and access to investments, could be a better way to reach your goals.

To create your own college savings plan, you’ll need to think carefully about your family and your situation.

Please call me at 973-515-5184 if you’d like to
discuss this topic in more detail.

Representatives are registered through, and securities are sold through Nationwide Planning Associates, Inc., Member FINRA/SIPC, located at 115 West Century Road, Suite 360, Paramus, NJ 07652. Investment advisory services are offered through NPA Asset Management, LLC. Insurance sold through licensed NPA Insurance Agency, Inc. agents. Frank is registered in NJ, NY, PA, FL, CT, CO, NC, OH and RI. He is also licensed for life and health insurance in NJ, NY, FL, OH and RI. The presence of this web site on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell advisory services to residents of any state other than those listed above and shall not be deemed to be a solicitation of advisory clients living in any state other than those listed above. Nationwide Planning Associates, Inc. and Frankly Financial are non-affiliated entities.
Copyright © 2020. Some articles in this newsletter were prepared by Integrated Concepts, a separate, non-affiliated business entity. This newsletter intends to offer factual and up-to-date information on the subjects discussed but should not be regarded as a complete analysis of these subjects. Professional advisers should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.

Categories : Blog, College Savings, Financial Services

What to Do If Your Budget Isn’t Working

Posted by Frank McKinley on
 June 8, 2020

Frankly Speaking

An Australian study that followed the eating habits of 12,000 people found that those who added eight portions of fruit and vegetables a day experienced an
increase in overall mood, health, and life satisfaction- the equivalent of moving from being unemployed to being employed. – The University of Warwick

Spain and Italy relaxed more restrictions, though Russia hit a new daily high for COVID-19 cases. – Morning Brew, May 4, 2020

“It ain’t over til the fat lady sings.” -Yogi Berra

Global greenhouse gas emissions are on track to fall nearly 8 percent this year, the largest drop ever recorded, the International Energy Agency reported today. But the group’s executive director warned, “The only way to sustainably reduce emissions is not through painful lockdowns, but by putting the right energy and climate policies in place.” – NY Times, April 30, 2020

Some feel that recent events will encourage, if not require investors to consider the impact of their decisions both on their own portfolios and on the far more reaching effects over time, far more than just the next quarterly report. Called Socially Responsible Investing (SRI), Sustainable Investing or Green Investing it seems to make sense to help preserve natural resources, reduce pollution, and have a positive impact according to proponents.

If you would like more information or to discuss the topic with me,
please call me at 973-515-5184  TODAY.

If you find that you’re not living within your budget every month, it’s time to take a step back to understand why. The following questions can help you find the issues that may be wreaking havoc on your budget and figure
out how to fix them.

Is Your Budget Realistic?

If your budget is not realistic, then you are immediately setting yourself up for failure. If you are underestimating your expenses based on your current lifestyle, then you are repeatedly going to fail. Develop a realistic budget, including your fixed monthly costs as well as your discretionary spending to get a true understanding of your monthly spending.

Did You Slash the Fun?

If you cut out all the fun, you may be feeling deprived, which can lead to overspending. It’s important to have a little fun each month, so set a dollar amount for entertainment.

Is Self-Control an Issue?

For many people, self-control is the main reason their budget isn’t working. It’s all right to splurge once in a while, but if it’s happening often, you need

to find ways to live within your means. One strategy is to write down the financial goals you are trying to achieve and keep them next to your cash, debit, or credit cards. As you go to make purchases, look at your goals to decide if this purchase is worth it.

Is Budgeting Too Much Work?

If you feel you don’t have the time to track your expenses and evaluate your spending, your budget is not going to be helpful. There are many good budget apps you can use that will make this process simple and less time-consuming.

Do Your Financial Goals Seems Unattainable?

If you feel like you’re never going to meet your goals, you may find that you
give up trying. While your goals may seem daunting, try setting up milestones along the way, so you can see the progress you are making. Take the time to celebrate those milestones to help you stick to your budget.

If you would like more information or to discuss your financial concerns

Click Here
Representatives are registered through, and securities are sold through Nationwide Planning Associates, Inc., Member FINRA/SIPC, located at 115 West Century Road, Suite 360, Paramus, NJ 07652. Investment advisory services are offered through NPA Asset Management, LLC. Insurance sold through licensed NPA Insurance Agency, Inc. agents. Frank is registered in NJ, NY, PA, FL, CT, CO, NC, OH and RI. He is also licensed for life and health insurance in NJ, NY, FL, OH and RI. The presence of this web site on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell advisory services to residents of any state other than those listed above and shall not be deemed to be a solicitation of advisory clients living in any state other than those listed above. Nationwide Planning Associates, Inc. and Frankly Financial are non-affiliated entities.
Copyright © 2020. Some articles in this newsletter were prepared by Integrated Concepts, a separate, non-affiliated business entity. This newsletter intends to offer factual and up-to-date information on the subjects discussed but should not be regarded as a complete analysis of these subjects. Professional advisers should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.

Categories : Blog, financial planning, Financial Services

How Flexible is Your Financial Plan?

Posted by Frank McKinley on
 June 1, 2020

Flexibility in a financial plan is a delicate balancing act: it is important to maintain enough flexibility that your financial plan can accommodate unexpected events that are out of your control. On the other hand, a sound financial plan needs to be firmly grounded by factors you can control.

There Are Assumptions You’ll Have to Make about Factors You Can’t Control

When you develop a financial plan, you have to make certain assumptions, many of which are out of your control:

Taxes — The notoriously complicated U.S. tax code will affect your financial plan in a number of ways. For one, your effective tax rate will change as your income changes. Also, changes to the tax code itself can affect your financial plan, often dramatically. Fortunately, changes aren’t typically made every year and, because Congress sets tax policy, most changes in the tax code are announced in advance of taking effect — allowing you time to plan for those changes.

Income — We all hope, of course, that our income will rise as we move forward in our careers. Typically, those kinds of income changes are predictable — maybe it’s a 3% raise every year or a 10% raise every three years. More dramatic yet still predictable income changes can happen when one spouse voluntarily stops or starts working.

Health — Your health and your spouse’s health is a significant factor in your financial plan for two reasons: first, because health is a big determinant of one’s ability to earn income; second, because healthcare costs are often a large expense, especially for older people. As you age, it’s important to think about changing your assumptions about your health. Maybe you reduce the income you expect because you won’t be able to work such long hours anymore. Or you increase the healthcare-related expenses you plan for.

Life — Whether it’s good or bad, expected or unexpected, events like the birth of a child, marriage or divorce, a spouse’s death, or a relocation will impact your financial plan. Some you can plan for, some you can’t; the point is to be aware that these kinds of events typically require a review of your financial plan.

Economy — For most of us, our financial plans are based on the assumption that our investments will earn a certain average return in the market. Those assumptions affect decisions we make about our plans; for example, the amount you need to save every month to retire at age 70 is larger or smaller the higher or lower your assumption about investment returns. The best way to make these assumptions is to base them on long-term historical returns in the relevant market indices.

That is not to say, of course, that these assumptions will always be correct; anyone with money invested in the stock market this year understands those assumptions can be turned on their heads in a few days. But given that we have to make assumptions, using historical returns is the best way to do it.

Be Grounded: Factors You Can Control to Keep Your Financial Plan on Track

It’s critical to know the factors you can control and to stay on track in those areas.

Live within your means — When you keep your expenses (including savings and investments) less than your income, you give yourself more flexibility to accommodate unexpected changes that you can’t control. If you have some breathing space in your budget every month, you can more easily accommodate, for example, a higher tax rate or economic downturn without having to alter your financial plan.

Have a rainy day fund — Have at least 3–6 months worth of living expenses in an easily accessible, liquid fund that you can draw upon in the event of an emergency or unexpected situation. This fund should be set aside from all other savings and investments and only used for true emergency expenses — like in the case of a job loss or illness. With an adequate rainy day fund, you can deal with unexpected events without having to dilute or erode your financial plan.Create a rainy-day fund for emergencies only

Revisit your plan regularly — The number one key to achieving your financial goals is to review and, if necessary, revise your financial plan regularly — at least once a year. That way you can make adjustments for all the factors out of your control that have changed, for better or worse.

If you haven’t revisited your financial plan in the last year,
or if you need to develop one, please contact me.

Representatives are registered through, and securities are sold through Nationwide Planning Associates, Inc., Member FINRA/SIPC, located at 115 West Century Road, Suite 360, Paramus, NJ 07652. Investment advisory services are offered through NPA Asset Management, LLC. Insurance sold through licensed NPA Insurance Agency, Inc. agents. Frank is registered in NJ, NY, PA, FL, CT, CO, NC, OH and RI. He is also licensed for life and health insurance in NJ, NY, FL, OH and RI. The presence of this web site on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell advisory services to residents of any state other than those listed above and shall not be deemed to be a solicitation of advisory clients living in any state other than those listed above. Nationwide Planning Associates, Inc. and Frankly Financial are non-affiliated entities.
Copyright © 2020. Some articles in this newsletter were prepared by Integrated Concepts, a separate, non-affiliated business entity. This newsletter intends to offer factual and up-to-date information on the subjects discussed but should not be regarded as a complete analysis of these subjects. Professional advisers should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.

Categories : Blog, financial planning, Financial Services, Investments

Your Risk Tolerance and Retirement

Posted by Frank McKinley on
 May 26, 2020

To gain a better understanding of how we’re affected by risk when building a retirement portfolio, it’s important to learn about risk tolerance and what it means for you as an investor.

What Is Risk Tolerance?

Risk tolerance essentially refers to an investor’s ability — both emotionally and financially — to deal with major upswings and downswings in the market.  If a person is said to have high risk tolerance, he or she likely tends not to worry so much about the potential risk of certain stocks or having a large amount of stocks in a portfolio. Those with low risk tolerance are on the other end of spectrum, often too cautious to deal with volatile stocks or the market in general.

Risk Tolerance and Age

While plenty of factors must be taken into consideration when considering your own risk tolerance, age is an important anchor to help risk-takers avoid getting in over their heads. This is especially true of those who are working toward building an effective retirement plan. When people are young, it makes more sense to take risks with investments than when they reach retirement age. What’s important to recognize is that risk tolerance must shift with age to avoid making costly mistakes at a time when it may be potentially too late to recover.

Adjusting Risk Tolerance

Adjusting risk tolerance means taking a realistic approach to your investments. Many successful investors find moving away from stocks to bonds is an effective later-in-life  strategy.

Once you have a general percentage figured out, take a moment to determine how many stocks will actually make up that portion of your portfolio. This can vary significantly in terms of personal preference, but often 10 stocks are mentioned as a reasonable number to hold in your portfolio. Keeping your investments to 10 or less allows you to pay closer attention to what’s actually happening with your investments.

The Importance of Working with a Financial Planner

The best way to get a better sense of what is a realistic risk tolerance for you to have at this point in life is to work closely with your financial planner.

Please call 973-515-5184 or contact me
if you’d like to discuss this in more detail.

Developing a Plan Is Not Enough

You have your investment plan in place, and you’re feeling good about it. But your job doesn’t stop there. You need to establish
regular reviews to ensure that plan is meeting your goals. Here are some steps to follow:

Review Your Asset Allocation — Begin by making sure the asset allocation you have selected still aligns with your goals, risk tolerance, and time horizon. If your allocation
in any one asset class has shifted more than 10% from your strategy, you may want to get it back into balance.

Review Your Holdings — Revisit your positions by using a variety of resources, such as analyst opinions, credit ratings, stock valuation measurements, and benchmarks. Consider whether your stock
and fund holdings still make sense for your investment strategy and still meet your expectations.

Assess Performance — If your portfolio’s performance has fallen short of expectations or your stomach can’t handle the volatility of your investment mix, it may be time to revisit your asset allocation strategy. You also want to see how your
individual investments have performed.

Financial Thoughts

Of those who filed as of late May 2019, the average federal tax refund that taxpayers received from 2018 taxes was $2,879 compared to $2,908 as of late May 2018 for 2017 taxes. However, two-thirds of households received tax cuts under the Tax Cuts and Jobs Act, while 6% paid more taxes (Source: The Wall Street Journal, 2019).

Approximately 10% of tax filers itemized deductions in tax year 2018 compared to 30% in tax year 2017 (Source: Tax Foundation, 2019).

The average inheritance is gone within five years, unless invested in financial assets or housing equity (Source: Lund University, 2019).

The average net wealth retired adults leave behind when they die by age bracket is $296,000 in their 60s, $313,000 in their 70s, $315,000 in their 80s,
and $283,000 in their 90s (Source: United Income, 2019).

Approximately 63% of affluent Americans said they were very or somewhat likely to change their personal financial plans based on the new federal
tax law (Source: AICPA, 2019).

Representatives are registered through, and securities are sold through Nationwide Planning Associates, Inc., Member FINRA/SIPC, located at 115 West Century Road, Suite 360, Paramus, NJ 07652. Investment advisory services are offered through NPA Asset Management, LLC. Insurance sold through licensed NPA Insurance Agency, Inc. agents. Frank is registered in NJ, NY, PA, FL, CT, CO, NC, OH and RI. He is also licensed for life and health insurance in NJ, NY, FL, OH and RI. The presence of this web site on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell advisory services to residents of any state other than those listed above and shall not be deemed to be a solicitation of advisory clients living in any state other than those listed above. Nationwide Planning Associates, Inc. and Frankly Financial are non-affiliated entities.
Copyright © 2020. Some articles in this newsletter were prepared by Integrated Concepts, a separate, non-affiliated business entity. This newsletter intends to offer factual and up-to-date information on the subjects discussed but should not be regarded as a complete analysis of these subjects. Professional advisers should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.

Categories : Blog, financial planning, Financial Services, Investing, Retirement

When Stocks Drop That’s NOT The Problem

Posted by Frank McKinley on
 May 19, 2020

Sometimes, when it comes to investing, volatile markets aren’t your worse enemy. You are.  Unfortunately, our brains often play tricks on us, causing even the savviest of investors to make decisions that don’t really make a lot of sense, such as panic selling or ignoring opportunities.

The problem of psychological investing traps is so pervasive, in fact, that there’s a whole field dedicated to studying it called behavioral finance. Researchers in this discipline look at the way psychology affects how we make financial decisions. Knowing about these traps can help you avoid them and make you a better investor. Here are seven psychological traps to keep in
mind.

Sunk Costs Bias — The sunk costs bias has to do with the all-too common tendency to stick with
something, whether a bad boyfriend or a bad investment, long after it’s clear that it’s not worth it anymore. Still, because you’ve invested a certain
amount of time or money, you’re reluctant to give it up. In investing, you might end up hanging on to a stock long after you should sell it in the vain hope that you’ll eventually come out ahead. But in
these cases, it’s better to cut your losses rather than to hang on to a loser.

Familiarity Bias — Most of us are biased toward what is familiar to us. We head to restaurants we’ve been to before and follow the same roads to work because we know what to expect. With  investing, familiarity bias involves favoring investments that are familiar to you. You might prefer to invest in the company you work for or big-name businesses that are in the news. That
could cause you to overlook important opportunities you don’t know as much about.

Anchoring — Anchoring is the process of getting attached to a particular reference point – such as the price you paid for a stock — and using that to guide future decisions. Or you might fixate on a stock’s previous high, even though that price was an anomaly. Anchoring is why buyers think they got a great deal when buying a car for $50,000 when the initial price was $60,000, even though the car’s really worth $40,000.

Whether buying stocks or cars, anchoring involves using a single piece of information to determine what a stock or other investment
should be worth while also discounting more relevant information, such as a company’s fundamentals or broader economic trends. Unfortunately, avoiding anchoring is difficult,
but considering all available information before choosing an investment can help.

Focusing Too Much on the Recent Past —  Recency bias is the tendency to make decisions or judgments based on relatively new or recent information. For example, during times when the market is up, people may ignore or discount the
possibility of a market decline. Or, if a certain category of stocks has done poorly recently, people may conclude that those stocks always have negative returns, even if the dip is an anomaly. You can avoid this mistake by doing your best to consider the entire universe of information at your fingertips, not just what happened yesterday.

Following the Herd – While following trends might be fine for fashionistas, it’s not always a smart investing move. Yet herd investing

is an all-too-easy trap to fall into. If everyone is telling you that now’s the time to get into a certain hot investment, you may feel you need to act fast so you don’t miss out. But just because something is popular doesn’t make it a good investment. Blindly following the herd without first consulting your own financial goals and plan doesn’t make you a smart investor.

Overconfidence — Most of us like to think we’re smarter than the average person. If you hit it big
with a certain investment, you may over-attribute that success to your skill rather than what it really is — luck. That can cause you to repeat
the same behavior again.

Panic — Investing isn’t for the faint of heart. When the market takes a sudden dip, it’s easy to
panic, which can lead you to make bad decisions, such as selling at a big loss, rather than riding out the natural hills and valleys of investing.
Making these emotionally driven choices costs you a lot of money. When making investing decisions,  make sure they’re based on evidence, not your initial gut reaction to the day’s events.
Avoiding psychological investing traps on your own can be difficult. 

phychological traps when watching the stock market

Please call me at 973-515-5184 or contact me
if you’d like to discuss this in more detail.

Click here to view our latest newsletter.

Copyright © 2020. Some articles in this newsletter were prepared by Integrated Concepts, a separate, non-affiliated business entity. This newsletter intends to offer factual and up-to-date information on the subjects discussed but should not be regarded as a complete analysis of these subjects. Professional advisers should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.

Categories : Blog, financial planning, Financial Services, Investments, Stocks

Answers to Important Financial Questions

Posted by Frank McKinley on
 May 4, 2020

Although every person has specific questions regarding their personal financial situation, there are several that are pretty universal when it comes to finances. Following are answers to these important financial questions. When should I start saving and investing? This is probably the most frequently asked question about personal finances. And it has a very simple answer — it is never too soon to start saving. The minute you begin making money is also the time when you should start saving for both short- and long-term goals by making them part of your budget.  If your employer offers a retirement plan such as a 401(k), contribute as much as you can up to $19,500 in 2020. If you can’t manage to contribute that much, at least contribute enough to get matching funds if your employer offers them.

You should also save money for emergencies, such as medical bills, a job loss, or a major house repair.  Most experts agree that you should have six months of income saved to cover unexpected expenses.

If you have additional cash, you should then develop an investment plan with an asset allocation strategy to help meet both short- and long-term goals.

Financial planning takes careful consideration of many financial questionsHow much debt is acceptable?

It depends on the type of debt you are carrying. If you have debt that is paying for valuable things such as a home or a college education, this is the type of debt that can help further your progress in life. If you have high interest debt, such as credit cards, then you need to be more cautious.

You should know what your debt-to-income ratio is for this riskier type of debt. Excluding your mortgage, calculate how much debt you have compared to your income. Most experts agree that if it is 15% or less, it is an affordable amount of debt. If it is over 15%, you should act to reduce the amount of higher risk debt you are carrying.

How much house can I afford?

Whether you rent or own your home, it is most likely your largest monthly expense. The general rule of thumb is your housing costs should not exceed 30% of your pretax income. For example, if you make $75,000 per year, you are making $6,250 per month prior to taxes.  Using the 30% rule, you should not spend more than $1,875 a month on
housing.

Financial planning includes considering your present and future requirementsAm I earning enough money?

It really depends on your goals, but to reach a comfortable retirement takes a lot of money. You can only cut expenses so much to save for retirement and other goals. At some point, you will most likely need to make more money. This may mean you need to change jobs or embark on a new career. It may be as simple as asking for a raise.

If your company does not schedule an annual review in conjunction with a raise, then you should ask. Be prepared to justify why you deserve to earn more money. If the answer is no, you’ll know that looking for another job is a priority.

What if something happens to me?

Preparing for the unexpected is imperative to your financial health. Ask yourself some important questions:

  • How would I pay the bills if I lost my job?
  • How would I pay the bills if I could no longer work?
  • How will I replace things if they are stolen or there is a fire?

The first place to start is to develop an emergency fund. You will want to have cash on hand so that your credit cards become your last source for paying unexpected expenses. You should also look at developing an insurance plan to help cover bigger emergencies. This may include life insurance, renter’s insurance, or disability insurance.

To protect your loved ones, you should also have a healthcare proxy, a living will, and updated beneficiaries on all of your financial accounts.

Please call 973-515-5184 or contact me
if you’d like to discuss your financial questions in more detail.

Click here to view our latest newsletter.

Representatives are registered through, and securities are sold through Nationwide Planning Associates, Inc., Member FINRA/SIPC, located at 115 West Century Road, Suite 360, Paramus, NJ 07652. Investment advisory services are offered through NPA Asset Management, LLC. Insurance sold through licensed NPA Insurance Agency, Inc. agents. Frank is registered in NJ, NY, PA, FL, CT, CO, NC, OH and RI. He is also licensed for life and health insurance in NJ, NY, FL, OH and RI. The presence of this web site on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell advisory services to residents of any state other than those listed above and shall not be deemed to be a solicitation of advisory clients living in any state other than those listed above. Nationwide Planning Associates, Inc. and Frankly Financial are non-affiliated entities.
Copyright © 2020. Some articles in this newsletter were prepared by Integrated Concepts, a separate, nonaffiliated business entity. This newsletter intends to offer factual and up-to-date information on the subjects discussed but should not be regarded as a complete analysis of these subjects. Professional advisers should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.
Categories : Blog, financial planning, Financial Services
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