All Articles

Paladin – What is a 401(k) and how Does a 401(k) Work?

Named after the section of the US Internal Revenue Code under which this retirement planning account is defined, 401(k) accounts are company-sponsored, tax-advantaged, and defined contribution plans where you can contribute pre-tax dollars. As an....

Paladin – Do I need a Financial Planner or a Wealth Manager?

When it comes to investing, saving for a better future, or managing your wealth, deciding on whether you should seek the guidance of a financial planner or a wealth manager is critical to be able to best define your financial goals. It is therefore....

Paladin – Should You Hold Or Sell Your Long-Term U.S. Government Bonds?

The Pandemic and the ensuing Fed actions to revive the market by easing liquidity has pushed the yield of the benchmark 10-year Treasury bonds to near record lows; yield as of October 2020 is at a measly 0.7%. Meanwhile, the price of the bonds in....

Paladin – How to Get Started When You are Ready to Invest

It’s great that you are ready to start your investment journey. However, with that decision comes the big question: Where do you invest your money and how do you get started? Additionally, what goals do you set, and do you make the investments....

Retirement Planning – How to Use Bond Ladders for Retirement Income

For years, the value of bonds in a retirement portfolio has been unparalleled. Investors have argued for the low-risk and fair return advantages of bonds against the high risk of equities, especially for retirement-focused investments. However,....

Paladin – What is FINRA and What is the Role of FINRA (Financial Industry Regulatory Authority)

If you are someone who scrutinizes their account statements or your financial documents, you might have come across the word ‘FINRA’ – probably in a very small font size. Have you wondered what it stands for? How does it affect you? Why should....

Retirement Planning – How Much Money do you Need for a Comfortable Retirement?

A critical part of retirement planning is to find the right answer to the question – “How much money do I need for a comfortable retirement?” The response differs from person-to-person, and is influenced by current lifestyle and income.....

Inflation & Your Money

It’s important to understand how inflation is reported and how it can effect investments. “If the current annual inflation rate is only 0.7%, why do my bills seem like they’re 10% higher than last year?” Many of us ask ourselves....

Paladin – The Pros and Cons of Investing in Mutual Funds

Although working with a financial advisor who invests in mutual funds may seem like a great way to “set it and forget it,” most investors fail to realize the truth about what these investments are costing them in fees that typically fly under....

Don’t Invest in Mutual Funds… Until you read this

Although working with a financial advisor who invests in mutual funds may seem like a great way to “set it and forget it”, most investors fail to realize the truth about what these investments are costing them in fees that typically fly below....

Have You Seen Your Financial Advisor’s Performance Results?

Merriam Webster defines the word “verify” to mean “to establish the truth, accuracy, and reality of” a claim or situation. When it comes to choosing someone to make decisions with your money, nothing serves as better verification of ability....

What to Look for When Researching a Financial Advisor

Just as you would do before hiring a heart surgeon or anyone who provides a critical service, conducting proper due diligence is a must before enlisting the help of a financial advisor. In this article, we’ll cover which documents that you should....

Paladin – What to Look for When Researching a Financial Advisor

Just as you would do before hiring a heart surgeon or anyone who provides a critical service, conducting proper due diligence is a must before enlisting the help of a financial advisor. In this article, we’ll cover which documents that you should....

Paladin – Have You Seen Your Financial Advisor’s Performance Results?

Merriam Webster defines the word “verify” to mean “to establish the truth, accuracy, and reality of” a claim or situation. When it comes to choosing someone to make decisions with your money, nothing serves as better verification of ability....

Changing Jobs Can Be a Tumultuous Expereince

Changing jobs can be a tumultuous experience. Even under the best of circumstances, making a career move requires a series of tough decisions, not the least of which is what to do with the funds in your old employer-sponsored retirement plan. Some....