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Portfolio Solutions Blog

Portfolio Solutions®
August 06, 2017

Global diversification gives investors a valuable tool for managing risk and volatility in a portfolio. But smart diversification has an important side effect. It requires maintenance.

In a given period, asset classes experience divergent performance. This is inevitable and, in fact, desirable. A portfolio that holds assets that do not perform similarly (...

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Portfolio Solutions®
July 26, 2017

What is a trust?

A trust is a legal entity that holds assets for the benefit of another. Basically, it's like a container that holds money or property for somebody else. You can put practically any kind of asset into a trust, including cash, stocks, bonds, insurance policies, real estate, and artwork. The assets you choose to put in a trust depend largely on your goals. For example, if you want the trust to generate income, you may want to put income-producing securities, such as bonds, in your trust. Or, if you want your trust to create a pool of cash that may be...

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Gary Brancaleone
November 29, 2016

Financial advisors don’t work for free, but their true value can far exceed the fees they charge when investors select them wisely.  An advisor’s experience and expertise may actually help you make more money in the long run compared to self-managing your portfolio and other aspects of your personal finances.


A financial advisor can keep you on track throughout all market conditions, which is especially important during periods of market volatility. Investing is emotional. Bull markets...

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Mike Nemick
October 03, 2016

There has never been a better time for young people to enter the wealth planning and related financial services industry. The United States currently has a huge need for financial advisors, and there are a number of opportunities available across multiple career paths.  Best of all, this is a great field for people who want to make a positive difference in others’ lives.

As a society, many people in the U.S. are distressingly illiterate when it comes to their finances.  The U.S. stands in 14th place out of 148 countries in financial literacy according to...

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Portfolio Solutions®
September 15, 2016

The Roth IRA is most often viewed as a retirement tool. That makes sense, since “IRA” stands for Individual Retirement Account. Just because it is called a retirement account, however, doesn’t mean it can’t be used in other ways. In fact, there are features built into the Roth IRA that make it perfect for many other uses. This article is the first of a series that will discuss many efficient, creative and often overlooked ideas related to the Roth IRA.

The first Roth IRA tool we will discuss is something I call the “emergency fund storage bin.” For many people, especially younger...

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Portfolio Solutions®
August 24, 2016

There’s a lot to consider when your child turns 18, isn’t there? You’ve contributed to their 529 plan for years, the car is packed, and your child is ready to head off to college. On top of that, they can vote and enlist in the military - it’s quite a list. Perhaps the most mind-boggling thing as a parent is to realize your child is an adult – maybe not in your eyes, but they definitely are in the eyes of the law.

It’s important to take your child’s legal adult status into account, because as an adult, their information is considered private, even from their...

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Suzana Bogoevska
August 09, 2016

This article first was published in Living Well Magazine

Every parent and grandparent wants the best for their children and grandchildren. The hope is...

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