Category Archives for Published

What financial information should I be paying attention to?

Published Shoreline Financial Articles

By GARDNER SHERRILL |Investor’s Column

May 8, 2017

What financial information should I be paying attention to?

I am occasionally asked by a prospective client to cut to the chase and give investment advice.  They want to skip planning and jump right into portfolio design.  There’s a fairly common perception that has been communicated by Wall Street and the media that our profession is more akin to TV celebrity Jim Cramer, who hosts Mad Money.  Generally speaking, my experience has been that successful investing is goal-focused and planning-driven, while most of the failed investing I’ve observed has been market-focused and performance-driven. Continue reading

Confidence in future economic strength is on rise

Published Shoreline Financial Articles

By DANNY WOOD |Investor’s Column

March 20, 2017

Confidence in future economic strength is on rise

Confidence in future economic strength is on rise

Investment Mistakes to Avoid in 2017

Published Shoreline Financial Articles

By GARDNER SHERRILL |Investor’s Column

January 23, 2017

Investment Mistakes to Avoid in 2017

gardner sherrill“With great contests, we tend to expect the most clever move will dictate the outcome – though more often than not, it is the bad move that determines the match.” – Anonymous Chessmaster

Every year there are studies coming out that discuss why investors underperform the markets. Dalbar QAIB, Morningstar, BlackRock and others all presenting data that show the average investor buys high and sells low. I will distill some of the investment mistakes and more common errors I have seen. Continue reading

Components in Pricing Long Term Care Insurance

Published Shoreline Financial Articles

By GARDNER SHERRILL |Investor’s Column

November 15, 2016

Pricing Long Term Care Insurance

gardner sherrillNovember is National Long-term Care Insurance Awareness month, so in memory of my father who had Alzheimer’s, I thought I’d dedicate an article to this important subject. What is the cost of long term care insurance? As always in any complicated transaction – the answer is always “It depends”. There are four primary determinants that I will address: Which company, What type of policy, the Owner’s personal factors and how much coverage.

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Five Simple Ideas for Tax Efficient Investing

By GARDNER SHERRILL |Investor’s Column

September 27, 2016

Five Simple Ideas for Tax Efficient Investing

I’ve written fairly extensively over the past year about investing in expensive markets. If you believe, as I do, that the next five years may produce lower returns, then managing frictional costs becomes even more important. As we move quickly towards the year end of 2016 I thought I’d focus my efforts today on some strategies you can employ to increase the tax efficiency in your portfolio. Continue reading

The Current Retirement Dilemma

Published Shoreline Financial Articles

By GARDNER SHERRILL |Investor’s Column

June 7, 2016

The Current Retirement Dilemma

If we plot these 2 risks on a matrix then we would say there are 4 potential outcomes: 1) High market returns with high longevity (awesome), 2) High market returns with low longevity (bummer), 3) Low market returns with low longevity (rats) and lastly 4) Low market returns with high longevity (uh oh). Continue reading

Adaptive Financial Planning

Published Shoreline Financial Articles

By GARDNER SHERRILL |Investor’s Column

February 22, 2016

“Everyone has a plan until they get punched in the mouth”

As a CERTIFIED FINANCIAL PLANNERTM, I have always appreciated the irony in this quote by Mike Tyson.

Don’t get me wrong; I am a big believer in planning especially when it is flexible and adaptive to change, but I feel our industry has turned a good tool into a bad product. In the following article I intend to go over some of the potential limitations of a financial plan and why adaptive planning is important in today’s increasingly complex environment.

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Managing Risk in an Increasingly Volatile and Expensive Marketplace

Published Shoreline Financial Articles

By GARDNER SHERRILL |Investor’s Column

December 22, 2015

Managing risk in an increasingly volatile & expensive marketplace

Investors today are faced with the task of choosing from a wide variety of strategies when seeking to invest their money. Advisors and institutions are increasingly concerned that the buy-and-hold strategies employed successfully in the past may not work well going forward. The traditional asset allocation of 60% in domestic equities and 40% in domestic bonds and, apart from a little rebalancing, holding these positions indefinitely appears increasingly archaic.With high equity and fixed income valuations and low corporate earnings expectations combined with rising interest rate forecasts; relying on financial markets to deliver historical average returns increases the risk that clients will not be able to achieve their financial goals. If you don’t regularly compensate for changing market conditions, you are overlooking the fine print of every investment advertisement that says, “past performance is not an indicator of future results”. Continue reading

What to Consider Before You Buy an Annuity

Published Shoreline Financial Articles

By GARDNER SHERRILL |Investor’s Column

October 19, 2015

Before you buy an annuity….

Investing

Investing for your retirement can be a scary process. With all of the attention given to financial markets, it’s no surprise that one would want to escape the noise and settle for a “guaranteed withdrawal” or a “minimum return”. The truth is that there are no perfect investments; they all have their benefits and weaknesses. Annuities can help guarantee an income you can’t outlive but at what cost? They are complex structures that are often misunderstood by both the buyer AND the seller. Continue reading

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