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Getting Ready to Graduate? Post-College Financial Advice

When I think of what I would share with a recent college grad, saving comes first to my mind. When a person is young they have a distinct advantage – time.

In the financial world, we use something called the “Rule of 72” to estimate what someone’s investing account balance could look like after a period of time, with a certain rate of return. This quick and dirty financial formula first requires a conservative guess for the average rate of return.

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Greg Horstman

Greg Horstman

For the past 28 years, Greg has worked to provide clients with exceptional financial advice and strategic investment strategies. In the summer of 2009 he partnered with Craig and joined Prosperion Financial Advisors. His service and personal dedication to clients is second to none. Learn more about Greg here.

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Give Your 401(k) a Quick Checkup

When was the last time you reviewed your 401(k)?

It’s easy to adopt a “set it and forget it” mentality, but I believe an annual 401(k) review can lead to better growth, higher balances, and smarter decisions. Fortunately, you can do a simple review of your account in about 30 minutes following the steps I’ve outlined here.

One side note before we get started: if you don’t already have a 401(k) or retirement account, it’s time to set one up today. Remember, time is your friend when it comes to saving for the future.

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Greg Horstman

Greg Horstman

For the past 28 years, Greg has worked to provide clients with exceptional financial advice and strategic investment strategies. In the summer of 2009 he partnered with Craig and joined Prosperion Financial Advisors. His service and personal dedication to clients is second to none. Learn more about Greg here.

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7 Simple Steps to Reduce your Tax Stress

Our new Constitution is now established, and has an appearance that promises permanency: but in this world nothing can be said to be certain, except death and taxes,” wrote Benjamin Franklin in a letter from 1789.

Would anyone doubt that taxes are here to stay? Their presence in our society is as predictable as the sunrise.

Over the next few weeks our Prosper On turns its focus to taxes and the best ways to deal with them. From minimizing your tax bill to organizing for next year, we want to provide some relief from this stressful time of year.

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Greg Horstman

Greg Horstman

For the past 28 years, Greg has worked to provide clients with exceptional financial advice and strategic investment strategies. In the summer of 2009 he partnered with Craig and joined Prosperion Financial Advisors. His service and personal dedication to clients is second to none. Learn more about Greg here.

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Beat the Fear of Investing at Record Highs

For the next six weeks our advisors will explore different aspects of investor behavior and the effect it can have on a portfolio. First, I want to concentrate on investment time frames, and how a timeline might be the best guard against irrational fears of investing at a “top”.

Take a glimpse at the market over the past few weeks and there’s no indication that our country is still grappling with the “Great Recession”. The stock market is in record territory (as measured by the Dow Jones Industrial Average and the Standard and Poor’s 500) and recent gains propelled these indexes to their highest levels since 2007.

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Greg Horstman

Greg Horstman

For the past 28 years, Greg has worked to provide clients with exceptional financial advice and strategic investment strategies. In the summer of 2009 he partnered with Craig and joined Prosperion Financial Advisors. His service and personal dedication to clients is second to none. Learn more about Greg here.

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Get Fiscally Fit: Year-End Checklist Part 1

It’s that time of year again – time to count our blessings, spend time with our families and commit to hopping on the treadmill. But as you wrap up 2012, consider getting fiscally fit too! We want to help you make 2013 a successful and prosperous year, so we put together a checklist with pointers for wrapping up 2012 and getting a head start on the new year. Just a little time and preparation can help you spend more time with your family this holiday season and less worrying about your finances.

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Greg Horstman

Greg Horstman

For the past 28 years, Greg has worked to provide clients with exceptional financial advice and strategic investment strategies. In the summer of 2009 he partnered with Craig and joined Prosperion Financial Advisors. His service and personal dedication to clients is second to none. Learn more about Greg here.

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Addressing the National Debt – The Candidates’ Solutions

With just over a week until our next presidential election the political coverage is confusing and unrelenting. It all seems pretty complex, especially when it comes to figuring out the top-level stances and supporting details. At Prosperion Financial Advisors we believe in simplicity and clarity so we set out to understand the economic policies of both clients in an effort to make some sense of it all.

In looking at the candidate’s websites, one thing is clear – there isn’t much detail available. Fundamentally though, they have different visions for dealing with one of nation’s biggest challenges, the national debt.

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Greg Horstman

Greg Horstman

For the past 28 years, Greg has worked to provide clients with exceptional financial advice and strategic investment strategies. In the summer of 2009 he partnered with Craig and joined Prosperion Financial Advisors. His service and personal dedication to clients is second to none. Learn more about Greg here.

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The Catalyst of Cooperation

Investors have a lot on their minds this fall. Between the impending fiscal cliff, European and Chinese woes and an election here at home, there’s a lot of unanswered questions holding investors back. But with worry comes opportunity. The American markets are trading at historically low price to earnings ratios. Many companies have large stockpiles of cash just waiting to be put to work. If we could only put these worries behind us, I think the economy has a chance to move ahead from the slow growth pace we are experiencing.

First we have to remove our worries. Fortunately I think the tides are turning. It’s all quiet on the European front with plans in place to offer support to countries struggling under their burden of debt. They are also working toward a closer banking union. We also tend to forget the obvious in China. While their growth rate appears to be slowing, it is still well above the activity level found here in the US.

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Greg Horstman

Greg Horstman

For the past 28 years, Greg has worked to provide clients with exceptional financial advice and strategic investment strategies. In the summer of 2009 he partnered with Craig and joined Prosperion Financial Advisors. His service and personal dedication to clients is second to none. Learn more about Greg here.

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Highlights from the LPL Financial National Conference

The Prosperion Financial team readied our out-of-office replies last week and headed off to sunny San Diego for the LPL Financial National Conference. We weren’t alone. With close to 12,000 independent financial advisors from around the country, LPL Financial managed to draw a crowd of 2600 advisors and 1500 attendees from money management organizations, research groups and others within the company.

The topics were numerous and the time limited, so we spread out with each advisor picking his schedule. It felt like college again, hustling from one presentation to another in a huge, unfamiliar conference center. Eventually we all made it to one of the best speakers of the conference, James Cameron.

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Greg Horstman

Greg Horstman

For the past 28 years, Greg has worked to provide clients with exceptional financial advice and strategic investment strategies. In the summer of 2009 he partnered with Craig and joined Prosperion Financial Advisors. His service and personal dedication to clients is second to none. Learn more about Greg here.

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Corn and the Economy

The markets continue to be erratic this week responding to the rising price of corn, the slow U.S. economic recovery and the downslide in Europe.

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Greg Horstman

Greg Horstman

For the past 28 years, Greg has worked to provide clients with exceptional financial advice and strategic investment strategies. In the summer of 2009 he partnered with Craig and joined Prosperion Financial Advisors. His service and personal dedication to clients is second to none. Learn more about Greg here.

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The Next Bull Market is Behind Our Wall of Worry

Investors are re-experiencing the old phrase, “every bull market climbs a wall of worry” this week. The media continue to bring down expectations and hope for investors. Around the world we read and hear about problems in Europe and slowing growth in Asia and other foreign markets.

But I think this “wall of worry” is blocking investors from seeing the road ahead – and potentially the start of the next bull market.
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Greg Horstman

Greg Horstman

For the past 28 years, Greg has worked to provide clients with exceptional financial advice and strategic investment strategies. In the summer of 2009 he partnered with Craig and joined Prosperion Financial Advisors. His service and personal dedication to clients is second to none. Learn more about Greg here.

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