In 1994 Bill Bengen, an obscure financial planner in southern California, came up with a simple guideline his clients could use for determining a safe (minimum) withdrawal rate in retirement. Based on historical data, he calculated that an individual starting retirement should be able to spend up to 4% of their investment assets for a…
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If you’re a parent of a teenager in their sophomore or junior year in high school, you’ve probably discussed with them your hope that they will be going to college. While it’s true that jobs requiring a college degree do tend to pay more than those that don’t, not everyone has the wherewithal to become…
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The year 2021 might be remembered as the year of the incautious investor. Non-fungible tokens (NFT) and Special Purpose Acquisition Companies (SPAC) were all the rage, bitcoin ETFs were on the verge of breaking out, and everyone was buzzing about the unexpected price surges of GameStop and AMC Theaters, the two so-called meme stocks. In…
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It’s virtually impossible to go about our daily lives these days without doing things online in some fashion. Buying stuff, connecting with others, making travel plans; these are just a few of the many activities that the Internet has made both ubiquitous, simple, and quick. But with convenience comes risk. The downside is that if…
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There’s an old song by the Jefferson Airplane that goes “You’re only [as] pretty as you feel.” Perhaps the same can be said about wealth. So much so that brokerage firm Charles Schwab commissions an annual study of 2,200 Americans regarding their beliefs about their wealth. There are some interesting findings from the recently released…
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A well-diversified investment portfolio should at least include bonds as well as stocks. And in the case of bonds, you will discover that there are more sub-asset classes than there are for stocks. Today I’m focusing on bonds issued by foreign governments. One of the challenges with those kinds of bonds is that as a…
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Cognizant Wealth Advisors, LLC ("Cognizant") is a dba of Perigon Wealth Management, LLC ("Perigon").
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