Conscientious Financial Planning and Retirement Income Management | 201-741-9528
from Lonier Financial Advisory LLC, Osprey, FL

Tag Archives: passive management

Lifetime Planning with R-MAP Planner

I’ve been busy the last few months enhancing the planning tool I’ve developed, R-Map Planner, and building a home for it on the web where planners and civilians alike can find out about it and license it. So I’ve been a bit absent here from posts recently (no cheering!), part of the time division that […]

The Nobel Prize for Market Contradictions

With it’s recent awards to economists Gene Fama, Robert Shiller, and Lars Peter Hansen, the Nobel committee appears to have come to a conclusion, of sorts, that the markets are irrationally efficient. F. Scott Fitzgerald suggested the ability to hold two opposite ideas in mind at the same time and still be able to function […]

Lifetime Investing, Part Three—The Global Market Portfolio

In the last few posts, we have been discussing the investment phases of a lifetime financial plan. In the first we discussed the retirement income phase and in the second, the savings phase. In this post I will discuss how to create a low-cost, broadly diversified portfolio that is invested in the global economy to […]

Getting Sensible

Learning about finance and investing is probably not high on your list of leisure activities, maybe ranking somewhere between watching curling and vacuuming the dust behind the refrigerator. Check out this series of eight short broadcast-quality videos at SensibleInvesting.tv. Though not quite Downton Abbey, they’re (mildly) entertaining for their British lilt while providing an easy […]

The Shifting Flow of Capital

A couple recent reports give some indication that the world of investing continues to change. Investment News reports that while total assets under management in the advisory industry has recovered above re-2008 crash levels to $11.2 trillion, four big brokerages, Merrill Lynch, Morgan Stanley, UBS, and Wells Fargo, have lost a trillion dollars in client assets […]