family financial security Archives - DIY Personal & Retirement Financial Planning

DIY Personal & Retirement Financial Planning

Do-It-Yourself financial and investment planning Excel spreadsheet software

The Quality and Cost of Advice Paid by Investment Sales Loads – Part 2

Can you really get free and objective investment advice, when you pay investment sales loads? (Part 2 of 2) Excessive investment costs and investment expenses are a plague on your lifetime personal financial planning. Excessive investment expenses are one of the most significant barriers to lifelong family financial security. While financial services industry sales people […]

Pay Lower Expenses To Get Higher Investment Returns – Part 2

Pay lower investment expenses to get higher investment returns While financial services industry sales people tell you that you need to pay more to get more, the correct answer is the opposite. Excessive investment costs are a plague on your personal financial planning. Excessive investment expenses are one of the most significant barriers to lifelong […]

"Larry, Thanks for the response. I watched the videos you’ve made so far on YouTube. Very good. In fact one of them addressed a situation that applies to me. I first learned about the zero federal taxes on long term capital gains when under the 25% marginal income tax rate from working with Veriplan a number of years ago. I’m no longer working but not yet receiving RMD’s or social security so my ordinary income is relatively low. So I’ve been taking full advantage of zero federal capital gains taxes by selling off my high expense ratio mutual funds which have a lot of capital gains built in since I’ve held them a long time and then I reinvest them in index mutual funds which don’t generate as much capital gains distributions. So the education that you and Veriplan provide has saved me thousands in taxes, not to mention the expenses on high cost mutual funds. Thanks again."M. D. in El Paso, TX

"I finally had the opportunity to dig into your most recent upgrade. It is amazing how far the product has come since I first interacted with the 2010 edition and the 2016 update shows the large amount of work done to make a major improvement in the product. The property and debt improvement is substantial. The fact it allows for buying and selling analysis of properties prospectively opens the door for using it with a number of primarily real estate oriented clients and I’m looking forward to that. I am also quite pleased to see the inflation rate adjustment with debt repayments. Thank you."Email update from L. M., Senior Investment Advisor in Idaho