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The Goff Financial Group

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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

Inflation and Retirement

October 12, 2022 by Robert Seal

pension lump sum or pension annuity paymentsInflation – even minor inflation – reduces purchasing power over time. Like the famed economist Milton Friedman once said, it's the hidden tax that creeps up on us because it is not legislated. Inflation slowly reduces the dollar's value, meaning each dollar will buy less and less. Many people look to the Bureau of Labor [...]

Filed Under: 401k, 401k Plans, Bonds, Fixed Income, Interest Rates, IRA, Markets, Pension, Retirement, Stocks, Wealth Management

Oxy Pension: Lump-Sum or Annuity – Which is Better?

August 19, 2022 by Nick

Oxy Pension Plan Lump Sum Versus Annuity 1Upon approaching retirement, you may be asking yourself, "Should I take the lump sum or the annuity payment option with my pension plan?" We get this question often, and the difference in lifetime value between options can be significant. Before making any decisions, you'll need to complete a careful and thorough analysis. A competent financial [...]

Filed Under: Lump Sum, Pension, Retirement Tagged With: occidental petroleum retirement, Oxy-retirement, retire-from-oxy

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

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

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

What Are Stock Splits?

August 18, 2020 by Nick Leave a Comment

Stock SplitWhat Are Stock Splits? Here’s what you need to know. Two high-profile companies—Apple and Tesla—have announced stock splits in the past few weeks, which makes it a great time to discuss what’s involved when a company announces a stock split. Remember, any companies mentioned are for illustrative purposes only. It should not be considered a [...]

Filed Under: 401k, 401k Plans, Retirement, Taxes, Wealth Management

Small Business Retirement Plans

June 22, 2020 by Nick Leave a Comment

Small-Business-Retirement-Plans

How do you pick the most appropriate retirement plan for your business as well as your employees? As a small-business owner, figuring out retirement choices can be a little intimidating.The SECURE Act and CARES Act may complicate the decision. There are three main types of retirement plans for small businesses: SIMPLE-IRAs, SEP-IRAs, and 401(k)s. Read […]

Filed Under: 401k, 401k Plans, Retirement, Taxes, Wealth Management

Why You Might Want to Create a Donor-Advised Fund

November 10, 2018 by Nick Leave a Comment

goff-financial-donor-advised-fund-houston

Do you regularly donate to charities and other non-profit organizations? Then you may want to open a Donor-Advised Fund. Donor-Advised Funds are becoming popular. It is easy to see why. They offer potential tax perks, and in some instances, a chance to grow money set aside for charitable gifting.1,2 It is all too easy to […]

Filed Under: Donor Advised Funds, Estate Planning, Fiduciary, Financial Advisor, Gifting, Wealth Management

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