Equifax Data Breach: One Stop Guide

Equifax Data Breach: One Stop Guide

By: Andrew Rosen, CFP®, CEP® Last week, news broke about Equifax getting hacked. As it is one of the three main credit agencies in the country, it’s a sensitive topic.  It has the potential to leave many of us vulnerable and exposed.  With that, below is what we...
The Dow/DuPont Merger: What to Expect

The Dow/DuPont Merger: What to Expect

By: Andrew Rosen, CFP®, CEP® There is little doubt – mergers can be frightening.  There’s a fair amount of complex uncertainty. Over my (and my colleagues’) financial planning careers, we’ve advised thousands of clients caught in the merger...
Your Stocks Following The DuPont/Dow Merger: The Risks & The Strategies

Your Stocks Following The DuPont/Dow Merger: The Risks & The Strategies

By: Andrew Rosen, CFP®, CEP® For over 40 years, Diversified has provided financial planning in Wilmington, Delaware. Fortunately, that has given us a heavy concentration of DuPont executive clients. Even though we’ve seen acquisitions and spinoffs through the years,...
Purchasing a Home: A Guide in 8 Steps

Purchasing a Home: A Guide in 8 Steps

By: Andrew Rosen, CFP®, CEP® Buying a home can be one of life’s most stressful events. I’ve been through it a few times myself and seen many clients do the same.  Regardless if it’s your first time, or your fifteenth, I thought a little guidance would go a...
2nd Quarter 2017 Market Commentary Video

2nd Quarter 2017 Market Commentary Video

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Suddenly Widowed: A Financial Guide for When Tragedy Strikes

Suddenly Widowed: A Financial Guide for When Tragedy Strikes

By: Andrew Rosen, CFP®, CEP® Sadly, death is a part of life.  It’s a time of emotional chaos.  When faced with the aftermath of tragedy, most of us find ourselves ill prepared. I’ve coached many through this unfortunate period.  I’ve even had to deal with...
What’s My Magic Number? To Retire that is!

What’s My Magic Number? To Retire that is!

By: Andrew Rosen, CFP®, CEP® Every retirement plan is unique and asks the age old question: How much do I need to retire?  It takes a lot of finesse to devise each individual’s “magic” retirement age and dollar amount.  The industry’s rule of thumb is to draw...
Financial Lessons from our Founding Fathers

Financial Lessons from our Founding Fathers

By: Andrew Rosen, CFP®, CEP® In 1776, our Founding Fathers signed the Declaration of Independence officially separating the original 13 colonies of the United States from Great Britain.  In the spirit of one of my favorite holidays, I wanted to share some lessons of...
Purchasing a House: A Great Investment or Huge Financial Planning Mistake?

Purchasing a House: A Great Investment or Huge Financial Planning Mistake?

By: Andrew Rosen, CFP®, CEP® Owning a house is one of the more tangible milestones of the American Dream. While I strongly advocate owning your own house, there is “the right time” to do so.  Oftentimes, people rush into their purchase and buying too soon....
Roth IRA Conversions: The Single Greatest Legacy Gift You Can Give!

Roth IRA Conversions: The Single Greatest Legacy Gift You Can Give!

By: Andrew Rosen, CFP®, CEP® If you are like most approaching retirement (or already in retirement) you likely have a substantial amount saved in an IRA or 401(k).  Most Americans dread knowing that the government is eagerly waiting for you to draw down these...
Understanding the Four Major Types of Annuities

Understanding the Four Major Types of Annuities

By: Andrew Rosen, CFP®, CEP® As I eluded to in a previous blog, Understanding Annuities in 5 Minutes or Less, annuities can be a complicated animal.  There are certainly circumstances where they fit a need in one’s life and so I’d like to take a few moments to educate...
Financial Planning Tips for the Twenty Somethings

Financial Planning Tips for the Twenty Somethings

By: Andrew Rosen, CFP®, CEP® Unfortunately, I’ve noticed a disturbing trend:  the lack of financial literacy amongst adults.  High schools, or colleges and universities, should make some kind of financial planning 101 course.  Heck, make it mandatory to...
9 Rules to Optimizing Your Property & Casualty Insurances

9 Rules to Optimizing Your Property & Casualty Insurances

By: Andrew Rosen, CFP®, CEP® Auto and homeowners insurance are two insurances that are often set it and forget it in an individual’s life.  I understand this isn’t always top of our minds, but we often find people aren’t taking full advantage of their benefits as they...
Market Movement & Its Effect on Me

Market Movement & Its Effect on Me

By: Andrew Rosen, CFP®, CEP® Like any 8 year bull market run, people start wondering and worrying.  “When might this end?  How does this impact the economy and spending behavior?”  This economic principle is called the Wealth Effect. The premise to the...
Understanding Annuities in 5 Minutes or Less

Understanding Annuities in 5 Minutes or Less

By: Andrew Rosen, CFP®, CEP® Despite being one of the oldest investment vehicles out there annuities are still probably one of the most misunderstood investments on the market.  They come in every shape and size and can certainly be confusing.  Figured I’d take a few...
Help! I want to retire…and soon

Help! I want to retire…and soon

By: Andrew Rosen, CFP®, CEP® Retirement. It’s a big and scary decision. You typically only get one shot at it and most of your decisions are permanent. While similarities abound in how people and advisors plan for retirement, everyone’s situation...
The 1% No One Seems to Care About

The 1% No One Seems to Care About

By: Andrew Rosen, CFP®, CEP® If I had a dollar for every time a client showed me an array of savings accounts at multiple institutions, I’d have several extra more dollars.   On the flipside, if I had a dollar for every time I saw a client with...
7 Essential Ways to Boost Credit Score

7 Essential Ways to Boost Credit Score

By: Andrew Rosen, CFP®, CEP®   When my wife and I purchased our first home, we visited a mortgage broker to get our very first mortgage.  He pulled my credit and POW! I had a great score.  Then he pulled my wife’s credit; low and behold it...
12 Financial Planning Tips for 2017

12 Financial Planning Tips for 2017

By: Andrew Rosen, CFP®, CEP® We all make New Year’s resolutions to better our lives for the upcoming year.  So, why not make 2017 the year in which you give serious attention to your finances?  I’ve come up with these helpful tips to get...
Healthcare Savings Accounts:  Financial Planning’s Best Kept Secret

Healthcare Savings Accounts: Financial Planning’s Best Kept Secret

By: Andrew Rosen, CFP®, CEP® Healthcare Savings Accounts (HSA) are often misunderstood and very much underutilized.  Recently, a friend of mine asked my advice on contributing to his HSA.  Should it be done through work or not, since it is just a...
The Only Two Credit Cards I Use!

The Only Two Credit Cards I Use!

By: Andrew Rosen, CFP®, CEP® On a weekly basis, I get this question from clients and friends alike: “Which credit card should I use? Before I go any further, let me deliver a quick disclaimer.  I only recommend using credit cards if you are diligent...
3rd Quarter 2016 Market Commentary

3rd Quarter 2016 Market Commentary

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How Much Life Insurance Do I Need?

How Much Life Insurance Do I Need?

By: Andrew Rosen, CFP®, CEP® It’s a common question:  How much life insurance should I have? The answer; unfortunately, isn’t an exact science. However, I’d venture to say nine out of ten potential clients are underinsured. ...