Bill Cardwell Pam Downing Bill Cardwell Pam Downing

THE PART OF THE ACTIVE VS. PASSIVE DEBATE THAT IS RARELY DISCUSSED

I don’t think that it is a secret that I want to grow my clients’ accounts to be as large as possible. Reason number one is simple, larger account balances help my clients achieve their financial goals with a higher degree of certainty. Another truth, that has been discussed with each family, there is a financial incentive in it for me as well to increase the size of the accounts (my compensation is at least partially based on the size of those accounts).

Read More
Bill Cardwell Pam Downing Bill Cardwell Pam Downing

WHY HAS SAVING BECOME A 4-LETTER WORD?

A September 26, 2016 article in the Washington Post stated that 71% (Seventy-One Percent!!!) of Americans aren’t saving enough for retirement. Two-thirds of Americans are not currently saving any amount to a 401(k) or another qualified plan according to U.S. Census Bureau research. Do you fall under one of these categories?

Read More
Bill Cardwell Pam Downing Bill Cardwell Pam Downing

WHY LOCATION DOESN’T MATTER WHEN PICKING A FINANCIAL PLANNER

You would probably be surprised to know that I have clients that I have never met in person. I also have clients that I have known since childhood that live on the other side of the country. We regularly get together at their kitchen tables and discuss their financial plans, the only difference is these meetings are held online (through skype or a webinar) and not in person.

Read More