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The Goff Financial Group

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Assumptions in Retirement

July 16, 2024 by Robert Seal

Retired couple looking at documentWe often make assumptions daily, such as “the grass is always greener on the other side” or “if you ignore a problem, it will go away.” We know the grass isn’t always greener on the other side and that ignoring a problem won’t make it disappear. There are also common financial assumptions you might be [...]

Filed Under: Health Care, Investment Management, Retirement, Risk Management, Social Security, Uncategorized, Wealth Management

Is Your Portfolio Highly Correlated with the Market? – Part 1

June 12, 2024 by Robert Seal

Portfolio is highly correlated to stock marketStock Portfolio by Nick Youngson CC BY-SA 3.0 Alpha Stock Images The more closely your investment portfolio resembles the stock market, the more likely your portfolio will produce results similar to the market. In finance, this concept is known as correlation, which is a measure of how a group of investments moves in value compared [...]

Filed Under: Asset Allocation, Investing, Investment Management, Markets, Portfolio Management, Risk Management, Stocks, Wealth Management

Cash Reserve in Retirement

February 22, 2024 by Robert Seal

Cash reserves in retirementDo you keep a spare tire in your car? You hope you will never have to use it, but it is good to know it is there in case you have an emergency with a flat tire. The same can be said of a cash reserve in retirement – you would rather not dip into [...]

Filed Under: Financial Markets, Investment Management, Markets, Retirement, Risk Management, Uncategorized, Wealth Management

Long Term Investment Truths Part 1

October 25, 2023 by Robert Seal

long-term investmentsWe believe a long-term investment philosophy is key to creating and preserving wealth. While many investors claim to be “long-term” oriented, many of these self-proclaimed long-term investors act as anything but when things get tough. After all, it’s human nature to doubt ourselves; especially when things don’t go as smoothly as anticipated. Endless warnings from [...]

Filed Under: Investing, Investment Management, Market Forecasts, Markets, Portfolio Management, Risk Management, S&P 500, Securities, Stocks, Uncategorized, Wealth Management Tagged With: long-term investing

The Hidden Cost of Owning Too Many Investments – Part 1

September 11, 2023 by Nick

Cost of owning too many investmentsAssuming you invest in individual stocks and/or mutual funds, what is one of the first questions you should ask if you want higher investment returns? The answer is, “Do I own too many investments?” This is an essential question because of the potential hidden costs of owning too many investments, also known as over-diversification. While [...]

Filed Under: Equities, ETF's, Exchange Traded Funds, Index Funds, Investing, Investment Management, Mutual Funds, Portfolio Management, Risk Management, S&P 500, Securities, Taxes, Wealth Management

Sequence of Returns Risk

September 29, 2021 by Robert Seal

sequence-of-returns-riskWhen buying a home, you probably know many 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 [...]

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

Learning from Biases and How They Affect Our Financial Choices

August 23, 2021 by Robert Seal

“Men willingly believe what they wish.” – Julius Caesar  The Roman Emperor Julius Caesar was alluding to bias, which happens when individuals process information around them and then stick to their preconceived ideas. Bias can happen in financial matters too, and even the most seasoned investors are subject to them. When dealing with emotions, investors are [...]

Filed Under: Investing, Market Forecasts, Markets, Risk Management, Stocks, Wealth Management

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