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The Goff Financial Group

Fee Only Financial Advisors

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How To Select A Financial Advisor

December 22, 2021 by Robert Seal

how to select a financial advisorTypes of Financial Advisors (and which ones you should avoid) Types of Advisors Before beginning your search, it is essential to understand the difference between financial professionals, many of which may be called "financial advisors." We've all gone to the doctor's office, but just because they are in the business of medically healing patients, not [...]

Filed Under: 401k, 401k Plans, Fiduciary, Financial Advisor, Investment Management, IRA, Registered Investment Advisor, Retirement, Wealth Management

Sequence of Returns Risk

September 29, 2021 by Robert Seal

When buying a home, you probably know a lot of the potential risks such as the risk your home will go down in value over time or the risk that your home will require a lot of maintenance after purchase.  In the same way, knowledgeable investors are aware that investing in the capital markets presents any number of risks – interest-rate risk, company risk, and market risk. Risk is […]

Filed Under: Financial Markets, Investment Management, Markets, Retirement, Risk Management, Stocks, Taxes, Wealth Management

Tuning Out the Noise from the Financial Media

June 25, 2021 by Robert Seal

Image used under license from Freestock.com When asked what to watch out for when it comes to investing, clients may expect us to tell them about a specific stock to avoid, or something similar. But our answer is often far different. One of the biggest things you may want to watch out for is actually the financial media. [...]

Filed Under: Exchange Traded Funds, Federal Reserve, Financial Advisor, Financial Markets, Investing, Investment Management, Market Forecasts, Markets, Wealth Management

The Backdoor Roth IRA

May 23, 2018 by The Goff Financial Group

Roth-IRA-Conversion-houston-financial-advisor

Does your high income stop you from contributing to a Roth IRA? It does not necessarily prohibit you from having one. You may be able to create a backdoor Roth IRA and give yourself the potential for a tax-free income stream in retirement. The Backdoor Roth IRA, a move that high earners can make in […]

Filed Under: 401k, 401k Plans, Investing, Investment Management, Portfolio Management, Roth IRA, Roth IRA Conversion, Taxes, Wealth Management Tagged With: Backdoor Roth IRA, Retirement

Do you know the difference between a fee-based advisor and an independent, fee-only advisor?

June 8, 2017 by Matthew Goff 31 Comments

fee-only-vs-fee-based-houston-tx

This is a very important question as how your advisor is compensated may create conflicts of interest, which can lead to significant financial consequences for you and your family. As brokers and insurance agents have changed their job titles in recent years to “advisors” and have replaced commissions with fees as their primary method of compensation, such conflicts of interests are not as easy to see today but are still there if you know where to look. Such conflicts are also not hard to find if you know what questions to ask.  Continue Reading …

Filed Under: Financial Advisor, Investment Management, Portfolio Management, Stock Broker, Wealth Management Tagged With: Conflicts of interest, Fee-Only Financial Advisor

Bundle Up? Not When It Comes To Financial Services

June 3, 2016 by Matthew Goff 27 Comments

cpa-financial-advisor-services-houston

For many people subscribing to satellite services or cable television over the last couple of decades, the business model has been “bundling services” like television, Internet and phone together for a single rate. However, in this system, many customers are paying for TV channels that they never watch or for a landline that they rarely use. With the increased popularity of “cutting the cord” to cable and satellite TV in order to watch TV series and films on Over-The-Top (OTT) content devices, there have been calls, even from Washington, for a “pay for what you watch” or “a la carte” approach.  Continue Reading …

Filed Under: 401k, 401k Plans, Annuities, Bonds, Debt Management, Fiduciary, Financial Advisor, Investing, Investment Management, Mutual Funds, Portfolio Management, Registered Investment Advisor, Retirement, RIA, Stock Broker, Stocks, Taxes, Uncategorized, Wealth Management Tagged With: CFP, choosing experts, CPA, estate planning, financial planning, financial services, investment advisor

Objective Investment Advice You Can Use

September 2, 2015 by Matthew Goff 27 Comments

Stock-Market-Downgrade-And-Your-Invesmtents

As you probably saw last week, global stock markets dropped sharply in value. There are a number of factors contributing to these recent declines including expectations of higher interest rates, falling oil prices and an economic slowdown in China.

As our focus is on the long-term, we welcome periods of sharp market declines as falling prices often produce for our clients buying opportunities with less risk. Also, periods of sharp market declines are historically normal and to be expected when investing in the stock market.   Continue Reading …

Filed Under: Bonds, Credit, Currency, DJI, Economy, Equities, Expense Ratios, Federal Reserve, Financial Markets, Investing, Investment Management, Lagging Indicators, Leading Indicators, Market Forecasts, Markets, Portfolio Benchmarking, Portfolio Management, Registered Investment Advisor, RIA, S&P 500, Wealth Management

Finding Your Financial Advocate

June 10, 2015 by Matthew Goff 29 Comments

Fee-Only-Financial-Advocate-Houston-financial-advisors

When it comes to getting objective advice for your financial well-being, do you know the difference between being a customer and being a client? Understanding the difference between the two can make all the difference in the world, especially for financial services. A customer relationship is driven by a transaction taking place, such as buying […]

Filed Under: Fiduciary, Financial Advisor, Investment Management, Registered Investment Advisor, Wealth Management

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