Is Your Buyout a Sell-Out?

If you work for a major corporation, you may have been offered a pension buyout. If you haven’t, there’s a good chance it’ll happen sooner than later. That’s because corporations want to reduce their pension liability. Let’s be clear, future pension liabilities can be a gigantic financial burden. Getting the liabilities off the books is […]

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Preparing for the Long Term

Do you ever think about suddenly becoming incapacitated and not being able to provide income for you and your family? It’s something most of us don’t want to think about. I get it. While death is inevitable, and many people purchase life insurance to protect their families when that inevitability occurs, only 9% of Americans […]

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Being an ESG Millennial Investor

In talking with millennials, I find many have a difficult time thinking about investing. When retirement is so far away, living today is much easier than saving for the future. I always point out to my millennial friends, the earlier you start on the road to investment – the earlier you make putting money aside […]

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Let’s Not Panic

A lot of people are looking at the Dow, NASDAQ and the S&P 500 and deciding they want off this roller coaster. They check out the individual stocks they’re invested in, see all the numbers are shaded red, and they’re yelling, “Sell!” I understand the kick in the gut you may be feeling. After all, […]

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Don’t Take It to the Bank

One of my greatest frustrations is people who think it’s a good idea to put their hard-earned money into their bank’s savings account. In fact, it’s barely better than stuffing your savings under a mattress. I’ve heard all the arguments about how safe your money is in a bank with the Federal Deposit Insurance Corporation. […]

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The First Step is the Biggest

Is there anything more monumental in a child’s life than their first step? They were crawling for so long. They scooted around in their baby walkers. They stood, shakily, holding onto the rail of their crib. Then, it happened. Standing in the middle of the room. They lift a foot and set it down. “One […]

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Is HFT the Coming Way to Invest?

High Frequency Trading has been around for the greater part of the 21st century. Basically, it’s the use of sophisticated technological tools and computer algorithms to rapidly trade securities. And when I say “rapidly,” I’m talking nanoseconds. Before you can blink your eyes, stocks will be bought and sold. The algorithms and the high frequency […]

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The Secret of HSAs

Back in 2003, President George W. Bush signed the Medicare Prescription Drug Improvement and Modernization Act into law. Part of that law included the establishment of Health Savings Accounts (HSA), which are designed to help pay for a long list of covered medical expenses. You may want to consider the advantages this type of plan […]

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Harvest Time

As we approach the end of the year, it’s time to go through your taxable account and begin planning a tax-loss harvesting strategy. The strategy is designed to sell certain investment assets at a loss to reduce the tax liability of your taxable investment accounts. Here’s how it works: In order to minimize the tax […]

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Looking for Pros

If you are an experienced financial advisor working in a stringent environment, I’d love to talk with you. J Benjamin Financial is not like the mega-firms…with rules that don’t help you or your client, with reams of red tape that have to be navigated, and with oversight from a large corporate enterprise that values the […]

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