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

All posts by Michael Lonier

2011 AARP Medicare and Tri-State Social Security Fact Sheets

Arm yourself with some of the facts so you are better prepared to support viable choices this political season that have a direct impact on your current or planned retirement lifestyle. The two major federal transfer programs, Social Security and Medicare, are the central focus for federal budget reform as political campaigns heat up on […]

Beware the Head Fake

A jest if not a full-blown parody, and fun for that, Bespoke’s blog post “Is the Superbowl the Biggest Obstacle Now Facing the Market” also casts some sidelight on the weakness in much of what passes as serious technical and even some fundamental security analysis. The short post strings together these nuggets of data mining: [list style=”orb” […]

Rate On, Rate Off

The S&P 500 has been on a steady up-swing since the beginning of the year. The Treasury yield curve has also been slanting up, the long rate back up over 3% from a record low in December, as Treasuries begin to fall in price with money moving into equities. (See this nifty interactive historic yield […]

Retirement Fund Recovery

The Urban Institute, which hosts a site dedicated to non-partisan retirement policy research, posted a year-end update of retirement account balances. Total retirement account balances fell about 31% or $2.7 trillion in Q1 2009, the market bottom of the recent financial crisis, from the pre-cash peak total in Q3 2008 of $8.7 trillion. The good […]

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 […]

HSA’s and Taxes

One of the age-old myths of retirement planning is that your taxes will be so much less when you’re retired that they will not be as serious a planning issue as when you were working. This has certainly been part of the selling of 401k/403b and IRA tax-deferred accounts. There are, however, a few tax-traps […]

The Investment Answer Book

There are a number of straightforward, short books about investing that I recommend as good reads for the layman or average investor. Short as in well-written, clear, with understandable explanations of complex concepts, while not thick enough to use for flattening fall leaves. Working your way through 600 pages on finance and investing, you’ll be […]

My fiduciary responsibility to you

As an independent Registered Investment Adviser (RIA), Lonier Financial Advisory LLC has a unique relationship of trust with you, our clients. LFA LCC is a fiduciary who puts your best interests ahead of our own. We are a fee-only advisor. We don’t sell anything to you but our services. LFA LLC works hard to keep our fees […]

Prudent Investment Management

Once your personal balance sheet and goals are well understood and you have a financial plan, you’re ready to become a Prudent Investor. Prudent Investors take the least amount of risk necessary to safely achieve their goals. Investing is largely about managing risk to gain reasonable rates of return. Too often investors begin by focusing on […]

Max your 401k/403b!

Is your 401k on autopilot, but you’re not sure where it’s going? I can help you make better choices. I can review your plan and tune-up the allocation of your savings and contributions across your plan’s fund options. Small tweaks now can compound to make significant differences later on. Your 401k/403b is your pension plan. […]