Robert J. Fowler, CFP, CHFC

Blog

Social Security: Maximizing Your Income (Part One)

Keeping with our current theme of offering a holistic approach to financial planning, I'd like to discuss SOCIAL SECURITY;  for it affects every working American.  If you are very near retirement, you have an immediate need.  However, if a  millennial or even further away from retirement, you have the power to help your parents or even grandparents make the right decisions when in comes to deciding the many options within Social Security. Let's explore a few basic opt
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Cybersecurity

I am committed to being a holistic advisor.  With that in mind, I am presenting several blog posts on topics not necessarily on finances but advocate important points that impact your finances.  The first being Cybersecurity.
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Are We In A Recession Now?

This is a question I've been asked recently due to the COVID-19 virus.  My answer is a word:  NO.  However, it has been reported just last week in an Economic Report that we are "technically" in a recession.  Officially a recession or bear market is defined as a -20% decline or more in the market. Even if we hold true to that characteristic, we are no where near that.  As of this writing, the S &P 500 down;-6%.Housing is one measurement used to to call
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Rounding Out Your Asset Allocation

In a recent post, I mentioned to diversify your portfolio among 5-6 asset classes.  The five-six are mentioned in post "A Starting Point."  I'd like to add 5 additional classes to aid your truly diversified portfolio.In the equity side consider MID CAP STOCKS.  These investments can be described as 
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How To Buy Low and Sell High

It's been said, videod. and written that every investor should buy a fund or stocks when they are low and then eventually sell when at a high point
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A Starting Point

I'm sure you're familiar with the age old adage, "Don't put all you eggs in one basket."  Great advice but how do 
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Your Behavior

I'm referring how you "behave" toward your finances and investments.  I place a good emphasis on each individuals feeling toward risk and reward.  I go to great extent to discover your preferences and in turn put together a truly individualized plan
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A Golden Opportunity

I do not underestimate the devastating effects of COVID-19 pandemic.  I hasten to add that another round could possibly occur in the Fall.  However, there is an equivalent seed of opportunity amidst this disaster.  The S & P 500, a largely representative guage of the market, has been hovering around a 15%-16% drop.  Everything I see in the economy points to an economic and stock market recovery/  Why not take advantage of this downturn and INVEST NOW?  Time and
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