Mortgage Refinancing 101: Is Now the Time?

You may have been hearing a lot about mortgage refinancing during the pandemic, and with good reason: the Federal Reserve has dropped interest rates twice to stimulate the economy, which has led to historically low mortgage rates. But if you are considering a refi, you might want to act sooner rather than later. The Government-Sponsored […]

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8 tips for tuning out financial planning noise, tuning in solid retirement advice

Media outlets are full of daily investing “advice” in the indistinguishable form of facts, opinions and even advertisement of financial products. Unfortunately, this “advice” often seems so convincing that investors feel the urge to take impulsive action. Often, these actions lead to costly investment mistakes. Here are a few tips to help keep your investment […]

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Willow Creek Commentary: Fall-2019

A Tale of Two Decades: Lessons for Long Term Investors The first decade of the 21st century, and the second one that’s drawing to a close, have reinforced for investors some timeless market lessons: returns can vary sharply from one period to another; holding a broadly diversified portfolio can help smooth out the swings; and, […]

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Willow Creek Commentary: Spring-2019

LOTTERY WINNINGS At the end of the last quarter, it was announced that one lucky ticket holder had won a $768 million Powerball Lottery. In an instant that person’s life changed – if they received the lump sum payout (which is usually the right thing to do in these situations), they would get $477 million […]

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Teach your children how to handle their own finances

California gets an “F when it comes to preparing our children for the real world of money,” says a recent report by the Champlain College Center for Financial Literacy. The center graded every state on their efforts to produce financially literate high school graduates, and California scored close to the bottom. There’s just no effort […]

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Ignoring Daily Market News Will Improve Your Financial Health

“Blood bath,” “Sell off,” “Spooked investors,” “Wild session,” “Stocks plunge,” “Crazy market swings.” These are just a few of the sensational phrases the financial media used last year to describe stock market activity. As a certified financial planning practitioner for over 20 years, I would argue that when the media reports hourly (or even daily) […]

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Willow Creek Commentary: Fall-2018

DIVERSIFICATION – WHERE’S THE BENEFIT As the financial media shouts, “Stocks soar to new highs,” and promotes the strong performance of the S&P 500 or the Dow Jones Index, investors may be asking “Where are my investment returns?” So far, 2018 has proven to be a year when all asset classes other than US Large […]

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Willow Creek Commentary: Winter-2016

PREDICTION SEASON In the coming weeks, investors are likely to be bombarded with predictions about what the future, and specifically the upcoming year, may hold for their portfolios. These outlooks are typically accompanied by recommended investment strategies and actions that are aimed at trying to capture the next “great” opportunity. When faced with recommendations of […]

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Confident investor or scared, which are you?

Are you a confident investor or is the process fraught with fear and uncertainty? A 2015 study by the American Psychology Association found almost three-quarters of Americans are experiencing financial stress — at least some of the time. One of the top sources of money-related stress was saving for retirement. On the surface, retirement planning […]

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