Equity Award Planning – Part 1 of 4 Stock Options

Equity Award Planning – Part 1 of 4 Stock Options

By: Andrew Rosen, CFP®, CEP® Tis the season of equity awards grants – truly an exciting time! What better time to revisit stock options and restricted stock units – how do both of these plans work and what are some strategies for each? Today’s blog will be...
The 4 Levers of Financial Planning

The 4 Levers of Financial Planning

By: Andrew Rosen, CFP®, CEP® Financial Planning can be very complicated.  Balancing all the information and changes in a client’s life is a real art form.   To help everyone I work with, I’m always trying to simplify the process.  In my experience, there...
6 Lessons Learned From the Worst Dow Plunge Ever

6 Lessons Learned From the Worst Dow Plunge Ever

By: Andrew Rosen, CFP®, CEP® February 5th 2018 started as a regular old Monday.  The Eagles just won the Super Bowl and I was very happy. Then the stock market opened… Before you knew it, the Dow Jones dropped 1,600 points.  It caught everyone off guard.  By...
The Market is at an All-Time High. Now What?

The Market is at an All-Time High. Now What?

By: Andrew Rosen, CFP®, CEP® The Markets are at all-time highs in this almost 9 year bull market.  The natural question is “how long will it last?”  Short answer – nobody knows. A market correction will happen, that is not in question.  So, what should you be...
4th Quarter 2017 Market Commentary Video

4th Quarter 2017 Market Commentary Video

http://lifelongadvisors.com/wp-content/uploads/Advisor-QIR-Q4-17-Diversified-Andrew-Rosen.mp4 In his role as Financial Planner, Andrew forges lifelong relationships with clients.  He coaches them through all stages of life and guides them to better achieve their...
Bring Your Kid to Planning Day

Bring Your Kid to Planning Day

By: Andrew Rosen, CFP®, CEP® The other day I had a particularly interesting financial check-up with a client.  What made this meeting different?  Well, he brought his son. I’ll always encourage getting your children engaged in learning about finances.  However,...
Recapping the 2017 Economy in 6 Graphs

Recapping the 2017 Economy in 6 Graphs

By: Andrew Rosen, CFP®, CEP® The end of 2017 marks the 102nd month of this historic bull market (the 3rd longest since 1900). Interestingly enough is we’re 9 years removed from the “great recession.”  Still, many consider this the least-loved bull market ever. ...
Retrain Your Thinking: Stocks Vs. Real Estate

Retrain Your Thinking: Stocks Vs. Real Estate

By: Andrew Rosen, CFP®, CEP® I find it interesting so many of us have strong opinions concerning stock investments vs. real estate investments.  Personally, I blame most of the sentiment on the media.  Beyond that exposure; however, there is a stark difference on the...
Here a Bit, There a Bit, Everywhere a Bitcoin

Here a Bit, There a Bit, Everywhere a Bitcoin

By: Andrew Rosen, CFP®, CEP® “I got one word for you…. Plastics!” This about sums up my feelings on Bitcoin and the entire cryptocurrency marketplace.   Lately, I’ve had several discussions on the subject.  When people call and tell me how...
What Does This New Tax Plan Mean to Me?

What Does This New Tax Plan Mean to Me?

By: Andrew Rosen, CFP®, CEP® There’s no secret; a lot of change is coming with the proposed tax bill dubbed the Tax Cut & Jobs Act of 2017.  Regardless if for it or against it (or have no idea what it is about), I suggest everyone understand its key...
These are a Few of My Favorite Things (Blogs): Top 9 Blogs of 2017

These are a Few of My Favorite Things (Blogs): Top 9 Blogs of 2017

By: Andrew Rosen, CFP®, CEP® I’m not sure this is what Julie Andrews had in mind when she sang My Favorite Things during The Sound of Music.  That said, the close of 2017 marks a special milestone for me. It’s my first full year of blogging.  For someone...
3rd Quarter 2017 Market Commentary Video

3rd Quarter 2017 Market Commentary Video

  http://lifelongadvisors.com/wp-content/uploads/QIR-Q3-2017-Diversified-10-25-17.mp4 In his role as Financial Planner, Andrew forges lifelong relationships with clients.  He coaches them through all stages of life and guides them to better achieve their...
Donor Advised Fund: A Family Planning Tool

Donor Advised Fund: A Family Planning Tool

By: Andrew Rosen, CFP®, CEP® Charitable giving is at the core of many of us, especially this time of year.  The other day I was having an interesting chat with a friend of mine on just this topic.  Next thing you know the conversation shifted to a growing charitable...
Referrals: An Often Overlooked Holiday Gift

Referrals: An Often Overlooked Holiday Gift

By: Andrew Rosen, CFP®, CEP® The system of referrals is not unique to the financial planning world; however, it is critical to the people we help.  Referrals are our lifeline.   So, why is introducing a friend, colleague, or family member to us (or any financial...
12 End of Year Planning Tips

12 End of Year Planning Tips

By: Andrew Rosen, CFP®, CEP® With year-end quickly approaching there are only a few more weeks to get those last minute planning items taken care of.  Hopefully, these tips will motivate you to get off Santa’s naughty list and also help better position your finances. ...
Navigating the Chemours Deferred Compensation & RSP Restoration Plan

Navigating the Chemours Deferred Compensation & RSP Restoration Plan

By: Andrew Rosen, CFP®, CEP® Right now, the Chemours (and several others) Deferred Compensation and RSP Restoration Plan are in an open enrollment period.  This is a great opportunity to share with you how these plans work. Who are they offered to? First, it is...
Our Company Values: This is Us

Our Company Values: This is Us

By: Andrew Rosen, CFP®, CEP® Recently during our annual client event, I had the pleasure of sharing a deeper look at our organizational values.  Honestly, it felt good to share this; we carry a sense of pride and ownership to these values.  After some reflection, I...
Teaching Children about Money and Finances

Teaching Children about Money and Finances

By: Andrew Rosen, CFP®, CEP® Consider this: there is no school mandated curriculum on Money.  Crazy, right?  Personally, I learned (and subsequently forgot) almost everything from grade school – reciting the State capitals (which my 5 year old daughter knows a...
Helpful Retirement Statistics

Helpful Retirement Statistics

By: Andrew Rosen, CFP®, CEP® The lynchpin to financial planning is: When can I retire? It’s such a common question that I’ve already written a few blogs on the topic (what’s my magic number to retire and retirement tips to consider).  However,...
The 7 Steps to Negotiating a New Car

The 7 Steps to Negotiating a New Car

By: Andrew Rosen, CFP®, CEP® We all know that uneasy feeling of going into the car dealership to purchase that brand new car.  You’ve got your best game face on; you’re prepared for battle.  You tell yourself you are not walking out of there unless you’ve got...
Nobel Prize and its Impact on Financial Planning

Nobel Prize and its Impact on Financial Planning

By: Andrew Rosen, CFP®, CEP® This year the Nobel Prize in economics went to Richard Thaler on his work in behavioral economics.  He is the pioneer of the Nudge Theory, which helps explain why people make irrational decisions while also helping others exercise better...
Mega Backdoor Roth:  One Mega Strategy

Mega Backdoor Roth: One Mega Strategy

By: Andrew Rosen, CFP®, CEP® You’ve maxed out your 401(k), now what?  As clients prepare for retirement, they often look for smart ways to save additional money.  There are plenty of options for those dollars after you hit your limits. But, the question remains: are...
529 Plans – A Great Way to Invest in Your Child or Grandchild’s Future

529 Plans – A Great Way to Invest in Your Child or Grandchild’s Future

By: Andrew Rosen, CFP®, CEP® With the recent birth of my 3rd child, I figured I’d write about one of my biggest concerns these days – saving for college.  Many of our clients with children, or grandchildren, are having the same concern.  I think it is important...
Unwinding the Federal Balance Sheet: What’s it Mean & What’s the Impact on you!

Unwinding the Federal Balance Sheet: What’s it Mean & What’s the Impact on you!

By: Andrew Rosen, CFP®, CEP® The other week the Federal Reserve announced their plan to start unraveling their 4.5 trillion dollar balance sheet.  Additionally, they declared that short term interest rates will remain unchanged for the time being.  So, what does this...
12 Financial Planning Steps for Thirty-Somethings

12 Financial Planning Steps for Thirty-Somethings

By: Andrew Rosen, CFP®, CEP® Many of our client’s children are entering their pivotal 30’s from a planning perspective. These years are an interesting decade full of change and promise. You still have some youth left, but those carefree days of your 20s are firmly...