There is going to be a lot of Monday Morning Quarterbacking going on after the dust settles from this most recent stock market crash brought on by COVID-19. The Dow, S&P, and just about everything in the market got crushed. What is a black swan event? It’s an unpredictable event that is beyond what is normally expected of a situation and […]
If you, a loved one, or a friend want help paying down student loan debt, there are legitimate ways to do it quickly. There is a recent bankruptcy case (Rosenberg) that made national news when it comes to discharging Student Loan Debt (SLD). This case has already emboldened scammers touting that they can help students eliminate their debt through bankruptcy […]
We recently read the conflict of interest document released by Northwestern Mutual (NWM), and we were surprised, to say the least, and we thought you may be interested in reading it as well. To read the 8-page piece documenting the massive conflict of interest problems NWM advisors have, click on the following link: http://www.uploadedimages.net/content/PDFs/Northwestern.Conflict.Disclosure.pdf What’s the big […]
This message is going to be quick because we know you’re busy getting ready for the holiday with friends and family. At Aspen Creek Financial, we are grateful for the peace of mind we’re able to provide to our clients when they’re planning for retirement and their financial future. If peace of mind is […]
As a general rule, I’m not a huge fan of most financial books. I find most to be sales books for the author or have content that I don’t agree with. However, there are some good books out there that I’ll point out sometimes in my posts as suggested reading. As I was thinking […]
Have you ever heard of Risk Capacity? The vast majority of readers (I’d guess nearly all readers) are not familiar with this important risk metric. The reason is because most advisors do NOT incorporate Risk Capacity into their planning when working with clients. I believe that Risk Capacity can be a vital tool when discussing […]
There is an annual study that comes out every year by the Employer Benefit Research Institute and it always has many interesting stats. The one that jumped out at me this year was the fact that 4 out of 5 employees were interested in products that would provide a guaranteed income for life (GIFL). Why is that? I’ll explore the […]
If you are looking at investing and building your assets, you may have asked yourself these kinds of questions before. This is why Aspen Creek Financial has developed an innovative asset rating scale that we affectionately call LiSERT.