Entries by Lighthouse Financial Advisors

Planning for the Unexpected

We have had the unfortunate honor of working with many widows – both young and old, breadwinners and stay-at-home mothers.  Whether there’s any warning or not, the death of a spouse is a tragic loss, but you can help your loved ones by making sure these basics are covered: Life Insurance:  If others are financially […]

Financial Health

The relationship between your financial health and physical health are interwoven and very similar. With both, if you feel scarcity, the more time spent ruminating about it.  When your health fails, it can be all consuming.  Having trouble financially, the mental energy committed to it can be draining. Choices you make today have a huge […]

DFA Continues Cutting Edge Academic Research

One of the main reasons we have chosen to utilize DFA (Dimensional Fund Advisors) as our primary investment/mutual fund strategy is their scientific approach based on ongoing academic research.  Below is an excerpt of their newest “dimension” of investing.  We look forward to discussing how this new layer of investment strategy works in our client […]

Gratitude Through My Personal Storm

As many of you are already aware, I had been out of the office due to the sudden illness and passing of my mother in December.  After the emotional struggle of losing a loved one, I was once again sidelined with back pain and subsequent surgery which helped immensely, but is an ongoing challenge. I […]

Post-Storm Cost May Force Many From Coast Life

As many of us continue to cope with the aftermath of Hurricane Sandy, this NY Times article (http://www.nytimes.com/2012/11/29/nyregion/cost-of-coastal-living-to-climb-under-new-flood-rules.html?pagewanted=1&_r=1&ref=todayspaper&) examines the costs that could force many from coastal life. It was estimated the fewer than 30% of NY homes affected had flood insurance. FEMA states that homeowners in storm-damaged coastal areas who had flood insurance — […]

The Days of the 15% Capital Gains Tax Rate are Numbered!

Assuming congress fails to enact legislation that would further extend the 2001-2002 tax reductions, the 15% long-term capital gains rate will expire 12/31/2012.  Of course, recent history suggests that no tax legislation will be forthcoming until late in the year at best.  Let’s focus on what the scheduled increase in capital gains rates could mean to you… Taxpayers […]

The Evolution of an Investor

Below is a profound article about a stockbroker who made it rich as a stock broker, but came to see to realize he was simply a great salesman without adding any value to his clients; only his own pockets and various companies he pushed products for.  This realization led him to become a Dimensional Fund […]

A Rewards Card Great for Your Investment

The Fidelity Amex 2% cash back should be considered when evaluating reward credit card reward programs.  Every month, 2% of your purchases are automatically credited to a Fidelity Investment account of your choosing (we usually recommend a brokerage account to ensure you don’t over fund a Retirement account).  There are other rewards options for travel, […]

Gloria

Gloria was born in Brooklyn, NY. Growing up Gloria attended Woodbridge Township schools, was a member of the US Cadet Corp from 1943-45 and graduated from Norwegian Hospital School of Nursing in 1945.  Gloria later earned her Bachelor’s and Master’s degrees at Jersey City State College where she also served as an adjunct instructor for several […]

Helene & Ted

Ted and Helene just celebrated their 53rd wedding anniversary and are having the time of their lives. Ted is 75 and Helene 73 years young….and “young” they are! Helene began her working career while still in HS.  She worked at a local bank in the bookkeeping department & within a year she moved to a […]