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- BNET Author Biography
Charles Farrell, J.D., LL.M. is an investment advisor with Northstar Investment Advisors in Denver, Colorado. He works primarily with individuals and families on the management and funding of their retirement savings, and is a former tax attorney. His research on retirement and investing has been widely published...- more about Charlie Farrell »
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- Stealth Inflation For Retirees
- As interest rates have plummeted, the cost of producing retirement income has skyrocketed. by Charlie Farrell
- Blog posts 2009-11-16
- What To Do With Your Cash Holdings
- Lately, I've gotten a number of questions from people who are frustrated by the low returns on their cash holdings. Getting 0.30% in a money market fund or in a short term CD isn't that exciting. So there's a temptation to seek higher returns on cash, but that could open...
- Blog posts 2009-07-13
- Obama's IRA Proposal: How to Make It Better
- Tucked into the Obama financial reform package is a proposal to automatically enroll employees in IRAs if their employer doesn't have a retirement plan. It's a good initial idea, but it can be improved by equalizing the IRA and 401k contribution limits and removing the employer mandate from the plan....
- Blog posts 2009-07-17
- Public Pension Rip Off: Will It Hurt You?
- The Wall Street Journal ran a great article yesterday on what I would consider a major problem for public pensions, and it's called spiking. Spiking occurs when a public employee substantially increases his or her pay in the year or two prior to retirement for the purpose of locking in...
- Blog posts 2009-07-21
- Biggest Threat To Your Retirement: A Short Memory
- Some are saying the recession is over and the worst is behind us. But with the financial markets, the worst is never behind you. Forgetting about risk is the biggest threat to your retirement security. And you're most likely to forget about it during the good times. by Charlie Farrell
- Blog posts 2009-07-22
- Corporate Earnings Provide Good Lesson on Budgeting
- We're in the midst of earnings season on Wall Street, and the numbers are coming in a little better than expected. Why? Because companies have slashed their expenses to become lean and mean. You should be doing the same in your own household. by Charlie Farrell
- Blog posts 2009-07-24
- How To Create Retirement Income
- With the decline in the stock market, there's lots of talk these days about how to create retirement income. While there are a number of different strategies, I prefer to use a simple method of creating cash flow to fund distributions. It doesn't require you to time the stock or...
- Blog posts 2009-07-30
- Time For A 401(k) Checkup
- We're a little more than half way through the year, and it's time to give your 401k a checkup. You want to ensure you're on track to maximize the tax savings, get all the match possible and that your investment allocation is in good shape given all the violent...
- Blog posts 2009-08-04
- Is Your Wealth Manager Competent?
- PricewaterhouseCoopers recently released their 2009 global wealth management survey and it includes some surprising findings. First, many wealth managers don't think they have the skills to handle today's complex markets and most wealth management firms aren't doing much about it. If you're working with a wealth manager and aren't...
- Blog posts 2009-08-07
- 401(k) vs The Pension, Which Is Better?
- I've seen a number of recent articles trashing the 401k as a retirement savings vehicle. Clearly, there are problems with how effectively people use 401ks. But advocating for more company pensions or lifetime income annuities from insurance companies won't take the risk out of saving for retirement. In fact, these...
- Blog posts 2009-07-09
- Do You Need A Smarter Mutual Fund Manager?
- If you're like most investors, your 401k plan has probably taken a beating over the last 18 months. Maybe the problem is the people managing your mutual funds just aren't that smart. If you used smarter people, you should get better results. Right? by Charlie Farrell
- Blog posts 2009-07-07
- Why You Need To Diversify Even Your Safe Money
- Over the last two weeks, I've written a couple of posts on bonds to help you become a better bond investor. I covered how bonds can help keep you on track for retirement as well as making sure you own safe bonds. Today I'm going to talk about why the...
- Blog posts 2009-06-15
- Inflation May Not Play Out Like You Think
- At just about every meeting I go to these days, people are asking about runaway inflation. What concerns me about the inflation issue is the certainty many people expresses about how the inflation threat may unfold. While we may get inflation, its effect on the economy and markets may play...
- Blog posts 2009-06-17
- Dividends Can Help Fight Inflation
- While most investors focus on the change in the value of the stock market, dividends have served as an important component of long-term total stock market returns. Because dividends tend to grow over the years, they may serve as a good source of increasing income to help offset the effects...
- Blog posts 2009-06-19
- College Students Should Open Roth IRAs
- How would you like an opportunity to turn $20,000 into more than $500,000 tax-free by the time you retire? Well, if you're a college student with a summer job, try opening a Roth IRA and waiting 45 or so years. by Charlie Farrell
- Blog posts 2009-06-22
- A Long Life Is Expensive
- In 1900, life expectancy in the United States was 49. No wonder people didn't do much retirement planning back then. Today, it's almost 78, and it's projected to steadily increase over the next 50 years. What these life expectancy numbers mean is that if you want to...
- Blog posts 2009-06-24
- Personal Savings Rate Jumps: Did Yours?
- The personal savings rate jumped to 6.9 percent in May, according to the Bureau of Economic Analysis. While there is much debate about how to accurately measure household savings, clearly people are spending less. The question is, are you actually saving more? It's one thing to...
- Blog posts 2009-06-26
- Simpler Is Better In Personal Finance
- President Obama recently proposed creating a new Consumer Financial Protection Agency to help protect consumers from aggressive financial transactions. I don't know whether we need another federal agency, but what I can tell you is that the basic rule for personal finance is simpler is better. When transactions get...
- Blog posts 2009-06-29
- Will Traditional Pensions Make A Comeback?
- With workers stressing over their retirement plan balances, more people are calling for a return to some form of traditional employer sponsored pension or lifetime income guarantee. Let me break this to you gently: it's not going to happen. While policy wonks and commentators may debate it, the...
- Blog posts 2009-07-01
- Is Guaranteed Retirement Income a Good Deal?
- You've probably seen the ads lately from financial services firms promoting guaranteed retirement income for life. It sounds comforting, but before jumping at the option, you should carefully consider the costs of these programs. by Charlie Farrell
- Blog posts 2009-08-14
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