What We Are Watching

What We Are Watching

Now that the official start to summer has arrived, I always have the same thought. Why do the days have to get shorter? I love these long summer nights the best. In a twisted way, I dread the longest day of the year, because now I know every day will get shorter and...
What the Heck is Going on With the Stock Market?

What the Heck is Going on With the Stock Market?

Happy unofficial start of the summer everyone. Summer is by-far my favorite season. This year’s Memorial Day, summer, back-yard BBQs, and hangouts with friends and family will be unlike any other it seems. However, there’ll still be plenty to enjoy in its own unique...
Important Life Lessons from a Covid-19 Victim: My Grandmother

Important Life Lessons from a Covid-19 Victim: My Grandmother

Week six stuck at home was by far the worst for me as Covid-19 finally struck home. My grandmother passed away because of this terrible virus. She was a wonderful lady and I simply refuse to let her be a statistic. So, I’d like to dedicate this article to her and...
Did You Miss It?

Did You Miss It?

Week three of social distancing work has commenced. I’ve learned a key thing during this time—I can’t grow facial hair for bupkis. I mean, it’s bad. Really bad. I look like a high school kid who’s undergoing a bad experiment! That said, I may not have this chance...
The 4 Types of Investors in a Market Downturn

The 4 Types of Investors in a Market Downturn

Week two working from home is a little different than week one. I’m no longer wearing sweatpants and working from my bed. I setup an office in my basement with a little desk to feel more professional and I haven’t shaved, which is a harsh reminder of my facial hair....
Top 10 Blogs of the Year! {Which was your Favorite?}

Top 10 Blogs of the Year! {Which was your Favorite?}

It’s been another year (and a labor of love) of successfully writing 52 unique blogs. Since I know you’ve read them all, you can attest that some certainly were better than others. In the spirit of reflecting, I thought I’d summarize my top 10. Maybe it’ll...
10 End of Year Planning Tips

10 End of Year Planning Tips

I feel like Oprah Winfrey doing her big annual holiday show. However, instead of giving away this year’s hot new toy (which, I’m told is the Little Live Scruff-a-Luvs), I’m giving end of year financial planning advice. There still may be time for you to make some last...
The Fulfillment Challenge

The Fulfillment Challenge

As lifelong financial coaches, it’s incumbent upon us to take our financial conversations to a higher level. Higher than assets and liabilities. At Diversified, we’re honored to model out your future and help you invest, but we do so much more. Our careers...
What is DCA?

What is DCA?

You’ve probably heard of Dollar Cost Averaging (DCA) over the years, but maybe you don’t know exactly what it is. Believe it or not, DCA has been around a long time and I’ve often found it to be a little misunderstood. Therefore, I wanted to take a moment...
A Public Service Announcement:  Most Things can be Undone!

A Public Service Announcement: Most Things can be Undone!

This week’s blog is for those of you that aren’t “spendthrifts.” You know who you are–the “nervous Nellie” types. Those who are always afraid to make that big purchase. I find a lot of people out there fall into this category. In many instances, being a...
Technology Can Help Your Teenager Learn about Finances!

Technology Can Help Your Teenager Learn about Finances!

The other day, I came home from work and relieved the babysitter. When it came time to pay, I had (like always) no cash on me. I can still hear my father’s voice saying, “This is why you carry cash.” The quick thinker I am, I asked if she had Venmo or...
A Natural Financial Athlete

A Natural Financial Athlete

There’s always that one kid. You may recall him growing up, or maybe they are a member of your child’s sports team. You know the one – they have loads of raw talent, but no finesse. They would show up to practice wearing the wrong clothes, and not...
How do I Layout my Expenses?                                 {A 6-Step Guide to Freedom}

How do I Layout my Expenses? {A 6-Step Guide to Freedom}

It would be nice if everyone spent responsibly and never ran into financial issues. With almost 20 years experience, I can tell you this is far from the truth. Many struggle with handling their family’s expenses, and I’ve spent a good amount of time coaching people...
Stages of Retirement:           Go-Go, Slow-Go, and No-Go

Stages of Retirement: Go-Go, Slow-Go, and No-Go

By: Andrew Rosen, CFP®, CEP® I’m going to make one partner of mine, Kyle Hill, very happy with this post. We always tease him because one of his favorite sayings is: “go-go, slow-go, no-go.” Perhaps it’s time to reveal our inside joke. The...
Is it Time to Refinance?

Is it Time to Refinance?

By: Andrew Rosen, CFP®, CEP® I thought when I got a 4% mortgage a few years ago, I would never see lower rates again. What do you know? I was wrong. In the past couple of months, mortgage rates have been declining yet again. Today, you can find 30 year mortgages...
When to Bring your Children into your Finances?

When to Bring your Children into your Finances?

By: Andrew Rosen, CFP®, CEP® With summer winding down, I started thinking a lot about children and finances. I know, what an odd connection. But during the summer, I see more children at Diversified as their parents come in for their financial check-ups....
Withdrawing from Retirement Accounts:

Withdrawing from Retirement Accounts:

When do I have to? By: Andrew Rosen, CFP®, CEP® At least once a week, I find myself educating a client on when they have to take money from retirement plans. Most people are confused on how this works. It’s kinda funny, actually.  We spend all this time...
Irregular Regular Expenses {A Cautionary Tale}

Irregular Regular Expenses {A Cautionary Tale}

By: Andrew Rosen, CFP®, CEP® If you’ve read any of my blogs over the past couple of years, you’d know how I feel about understanding one’s expenses. In order to financially thrive, it doesn’t matter how much money a client has, or the amount of income they earn. If...
Investing in the Stock Market is NOT Gambling

Investing in the Stock Market is NOT Gambling

By: Andrew Rosen, CFP®, CEP® A few weeks ago, I was visiting my happy place–the Jersey shore. It was an especially good weekend because my best bud, O-man, was in town for his yearly, week-long visit home. Currently, he lives in D.C. and life is busy. So,...
What the Proposed SECURE Act Means to You –                       9 Major Changes

What the Proposed SECURE Act Means to You – 9 Major Changes

By: Andrew Rosen, CFP®, CEP® Recently, I’ve gotten a few questions about the proposed SECURE (Setting Every Community Up for Retirement Enhancement) Act that the House has proposed. Any time there is legislation on the table that affects retirement savings, many...
Should I Buy that Beach Home? Or, Should I Rent?

Should I Buy that Beach Home? Or, Should I Rent?

By: Andrew Rosen, CFP®, CEP® Growing up at the Jersey shore is a thing I hold close to my heart. I loved being a local “beach dude,” especially when the summers came and the “shoobies” all flooded our little barrier island. There was something nice in knowing you...
Retirement Drawdown {What’s the Right Cadence?}

Retirement Drawdown {What’s the Right Cadence?}

By: Andrew Rosen, CFP®, CEP® Retirement brings unique circumstances to a person’s life. It’s likely the first time you’ll truly appreciate not setting the work-time alarm clock, as the days of stressful deadlines are past. Retirement is a life changing...
The 10 Big Retirement Mistakes to Avoid

The 10 Big Retirement Mistakes to Avoid

By: Andrew Rosen, CFP®, CEP® “What are the biggest retirement mistakes you see people make?” A client asked me the above question a few weeks ago. It was a great question and forced me to take a minute to give him a well thought out answer. After a...
Your Financial Pop Quiz!

Your Financial Pop Quiz!

By: Andrew Rosen, CFP®, CEP® The other day I was at a doctor’s appointment and got a friendly surprise. There was a three hundred question, multiple-choice exam I had to take for my health. Three hundred questions! Oy Vey! I instantly channeled my twenty year old...