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...
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...
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...
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...
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...
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...
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...
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...
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...
Three Good Strategies for the Charitably Inclined

Three Good Strategies for the Charitably Inclined

By: Andrew Rosen, CFP®, CEP® After many years in the financial service business, I’ve consistently seen individuals donate a hefty portion of their assets and resources towards charities.  It’s a constant reminder of the awe-inspiring charitable nature of people....