By now you have probably heard that over 143 million American consumers had their personal information exposed by hackers in a data breach at Equifax. That is almost half of the citizens of the United States. So, the odds are almost 50/50 that your personal data has been compromised. The hackers accessed people’s names, Social… Read More
Do you know how your financial advisor is compensated? Two common forms of financial advisor compensation are called ”fee-only” and “fee-based.” They sound very similar, but they have vastly different meanings. Whether your advisor is “Fee-Only” or “Fee-Based” can have a huge impact on the type of advice you are provided and the types of… Read More
You may be reading this article if you are looking for a financial advisor but not quite sure which one to choose or what issues to consider before hiring one. A good starting point is to determine if your potential financial advisor is working under a fiduciary standard and legally bound to act in your… Read More
We believe that when choosing a financial advisor you should consider the following attributes: 1. Choose a financial advisor that is also a Certified Financial Planner (CFP®). This is considered the premier designation in the financial industry. A financial planner with this designation has passed a 10 hour board certified exam, has 3 plus years… Read More
At some point in your life you may receive an inheritance from a loved one or friend. There are a number of issues you should consider first before making any spending decisions: 1 – Don’t rush into any quick decisions You likely just lost someone close to you and, depending on the relationship, it could… Read More
If you have a trust, you likely have named yourself as the current trustee and your spouse or partner as the co-trustee. If you were to become incapacitated or die, your spouse or significant other would then serve as your successor trustee. But what do you do in the case where you or your successor trustee… Read More
This article was written by a special guest author and colleague, Greg Geiger. Greg is a Principal of Financial Fiduciaries which is a fee-only investment advisory firm, registered with the National Association of Personal Financial Advisors (NAPFA), offering planning and investment services to individuals and institutions throughout Wisconsin. Our knowledgeable, experienced professionals serve as your advocate, helping… Read More
Sports fans love to compare the sports heroes of their childhood era to current athletes and make a claim on who was the best ever. In many sports this claim on who was the best athlete of a particular time period can be subjective at best. However, baseball is one sport that allows for such… Read More
This article was written by a special guest author and colleague, Stephen Reh. Stephen Reh CFA, MBA, CFP® is the founder of Reh Weath Advisors LLC and https://investwithsteve.com/, a fee only financial advisor in Southern California. Stephen is a member of the National Association of Personal Financial Advisors like David J. Fernandez, CFP® and specializes in financial planning and investment advice…. Read More
Note – some investors well below age 65 may not read this assuming it does not apply to them or Medicare is too far away. However, I think this is valuable information to understand because the federal government’s shift towards “means testing” will likely grow as a larger portion of the national budget transitions toward… Read More
Wealth Engineering, founded by Dave Fernandez, CFP®, provides fee-only financial planning and investment management services.
We utilize a global investment strategy to create diversified portfolios to provide less volatile, risk-adjusted returns in a long-term, tax-efficient manner.
