The Diversified Blog

A wealth management blog dedicated to creating a long lasting sustainable retirement.

Back to School

Here is a nice article written by Dimensional Fund Advisors:

Education planning is a complex issue. A disciplined approach to saving and investing can help remove some of the uncertainty from the planning process.  CLICK HERE TO READ MORE:

 

Back to School.pdf




Robert J. Pyle, CFP®, CFA is president of Diversified Asset Management, Inc. (DAMI). DAMI is licensed as an investment adviser with the State of Colorado Division of Securities, and its investment advisory representatives are licensed by the State of Colorado. DAMI will only transact business in other states to the extent DAMI has made the requisite notice filings or obtained the necessary licensing in such state. No follow up or individualized responses to persons in other jurisdictions that involve either rendering or attempting to render personalized investment advice for compensation will be made absent compliance with applicable legal requirements, or an applicable exemption or exclusion. It does not constitute investment or tax advice. To contact Robert, call 303-440-2906 or e-mail This email address is being protected from spambots. You need JavaScript enabled to view it. .

The views, opinion, information and content provided here are solely those of the respective authors, and may not represent the views or opinions of Diversified Asset Management, Inc.  The selection of any posts or articles should not be regarded as an explicit or implicit endorsement or recommendation of any such posts or articles, or services provided or referenced and statements made by the authors of such posts or articles.  Diversified Asset Management, Inc. cannot guarantee the accuracy or currency of any such third party information or content, and does not undertake to verify or update such information or content. Any such information or other content should not be construed as investment, legal, accounting or tax advice.

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Wine Lovers Guide to Investing

Here is a nice article provided by Jim Parker of Dimensional Fund Advisors:

Savoring a vintage wine is one of life's great pleasures. But often overlooked in the joy of consumption is the carefully calibrated journey from grape to glass. Similar levels of care are critical to good investment outcomes.  CLICK HERE TO READ MORE:

Wine Lovers Guide to Investing.pdf


Robert J. Pyle, CFP®, CFA is president of Diversified Asset Management, Inc. (DAMI). DAMI is licensed as an investment adviser with the State of Colorado Division of Securities, and its investment advisory representatives are licensed by the State of Colorado. DAMI will only transact business in other states to the extent DAMI has made the requisite notice filings or obtained the necessary licensing in such state. No follow up or individualized responses to persons in other jurisdictions that involve either rendering or attempting to render personalized investment advice for compensation will be made absent compliance with applicable legal requirements, or an applicable exemption or exclusion. It does not constitute investment or tax advice. To contact Robert, call 303-440-2906 or e-mail This email address is being protected from spambots. You need JavaScript enabled to view it. .

The views, opinion, information and content provided here are solely those of the respective authors, and may not represent the views or opinions of Diversified Asset Management, Inc.  The selection of any posts or articles should not be regarded as an explicit or implicit endorsement or recommendation of any such posts or articles, or services provided or referenced and statements made by the authors of such posts or articles.  Diversified Asset Management, Inc. cannot guarantee the accuracy or currency of any such third party information or content, and does not undertake to verify or update such information or content. Any such information or other content should not be construed as investment, legal, accounting or tax advice.

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The Cost of Tracking An Index

Here is a nice article written by Dimensional Fund Advisors:

Many investors use index funds as an easy way to gain diversified exposure to an asset class. But are the indices themselves precise representations of the underlying asset class? If not, it may not be worth incurring the costs required to track them perfectly.  Click here to read more:

 

The Cost of Tracking an Index.pdf


Robert J. Pyle, CFP®, CFA is president of Diversified Asset Management, Inc. (DAMI). DAMI is licensed as an investment adviser with the State of Colorado Division of Securities, and its investment advisory representatives are licensed by the State of Colorado. DAMI will only transact business in other states to the extent DAMI has made the requisite notice filings or obtained the necessary licensing in such state. No follow up or individualized responses to persons in other jurisdictions that involve either rendering or attempting to render personalized investment advice for compensation will be made absent compliance with applicable legal requirements, or an applicable exemption or exclusion. It does not constitute investment or tax advice. To contact Robert, call 303-440-2906 or e-mail This email address is being protected from spambots. You need JavaScript enabled to view it. .

The views, opinion, information and content provided here are solely those of the respective authors, and may not represent the views or opinions of Diversified Asset Management, Inc.  The selection of any posts or articles should not be regarded as an explicit or implicit endorsement or recommendation of any such posts or articles, or services provided or referenced and statements made by the authors of such posts or articles.  Diversified Asset Management, Inc. cannot guarantee the accuracy or currency of any such third party information or content, and does not undertake to verify or update such information or content. Any such information or other content should not be construed as investment, legal, accounting or tax advice.

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Retirement Spending in Scary Markets

When the markets are down or particularly volatile, how do I safely withdraw retirement money out of my portfolio?


This is a common question and a very good one. It is very scary when the market is volatile and the TV is telling you the world is coming to an end. It can be even scarier when you are in or near retirement. While one blog post won’t replace a fee-only wealth planner who is committed to serving your highest financial interests in an ongoing relationship, the following are three ideas to get you started.


1.  Take a Reality Check


The first step to knowing how you’re doing is to determine where you stand. For this, we suggest taking a very analytical approach to withdrawing money from your portfolio.


At our firm, the first thing we look at for clients who are taking money out of their portfolio is their withdrawal rate. In other words, what percentage of the portfolio’s total worth are they taking out? If the withdrawal rate is reasonable according to their financial plan, then everything should be fine. If the withdrawal rate seems too high (again, according to their particulars), we let them know.

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