The need to purchase supplementary short-term disability insurance depends on a whether the coverage provided through an employer-based policy covers most of a worker's living expenses. If there is a considerable gap between the income required and the coverage provided, additional coverage may be needed.

Short-term disability insurance is meant to provide a stream of income during times when you are unable to earn a paycheck but don't fit the bill for long-term or permanent disability coverage.

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This article provides an overview of the different types of investment risk you may encounter in a retirement portfolio -- and offers insights to help you determine which investments may be appropriate for your situation.

When it comes to investing, many people associate risk with losing money. But investing entails different types of risk. Understanding each type of risk and the potential return associated with your retirement portfolio can help you determine whether your investments are appropriate for your situation.

Today we have another fresh example that shows the tendency of individual investors to move in just the wrong direction at just the wrong time. And it’s more evidence that our firm’s approach to managing investment portfolios, namely a passive approach that does not involve reading the tea leaves of the market, is the better choice and will improve the odds of a successful investment experience.

I’m referring to the report from ...

Before my wife reads that headline and thinks that I’m up to something that I shouldn’t be, I need to explain. If you are single, you have a different set of financial planning issues to deal with.
 

And you are not alone (pun intended!). All of us are familiar with the game-changing demographics of the Baby Boomers. But, a subgroup of ...

There, I’ve said it. And I was glad to see him go down in flames with the Broncos last week. Let the cursing, name-calling, and un-friending begin. I know that, in particular, my gator friends will be incensed. But I’m just being honest…I’m weary of all the Tebow-mania that has been going on.

By now, many have stopped reading this article.   Some will get past ...

It’s the time of year when all the talking heads, prognosticators, economists, and other soothsayers are coming forth with their projections of what is to come in the New Year. The idea is that if we follow their guidance, our portfolios will surely outperform the market; we’ll all be rich and live happily ever after.

As a ...

I’ve heard it said that you can tell a lot about a person by the books they read. That’s probably pretty true. So, in an effort to let you know a bit more about me, here’s my reading list for 2011. Just like the music I listen to, my tastes are all over the map. There are some books on business, history, politics, investing, and even just a few “fun” reads. I’ve also included a brief comment on ...

In September, I attended the annual conference of the Financial Planning Association in San Diego. It was 3 ½ days filled with a variety of financial planning educational sessions. Each year, the FPA® invites interesting keynote speakers to kickoff and close the conference. The speakers are from outside of the financial planning profession, but tie their discussion to a financial planning concept.