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Does Investing Inertia Have You Trapped?

Investors are prone to many behavioral mistakes that can cost them dearly. Trying to time the market, trying to pick the winners, chasing returns, trying to go it alone are among the most common. But the one that can inflict the most damage over a period of time is when we succumb to investing inertia.

How Much Life Insurance do you Need?

Anyone with a family to protect understands the critical role life insurance plays in their financial plan However,  in determining the actual amount of coverage to provide essential protection needs, many people tend to adhere to simplistic rules-of-thumb, such as a “multiple of income,” which may leave them wondering if they own too much or too little coverage.

Biggest Life Insurance Mistakes

For most people, buying life insurance is difficult enough even when it’s done right.

Preparing for Lifetime Income Sufficiency in Retirement

When financial planners first began to calculate retirement income needs back in the 1970s and 1980s, many of them latched on to the “70 percent” rule, which says that retirees should plan on needing just 70 percent of their pre-retirement income to live comfortably in retirement.

Financial Planning for Your Aging Parents

If you come from a typical family, finances were rarely discussed in detail even as you matured into adulthood, which was fine as long as your parents were fully capable of running their own lives.  But, as your parents age, and with today’s life expectancies that could span another 20 to 30 years at age 60, there is a strong likelihood that they might lose their cognitive function o

Disability Income Protection

The biggest risk to your financial future is the possibility of losing your earnings due an injury or an extended illness that prevents you from working. In fact, nearly one in three people between the ages of 35 and 65will suffer some sort of disability which will keep them from working for at least 90 days.  Yet this is the one risk that, for most people remains unprotected.

How Confirmation Bias Could be Hurting your Investment Performance

Have you made up your mind on just about everything, even before you know what it is? For instance, when you meet someone, is your opinion of the person formed from the first impression? Or, when you hear a political argument from the other side, is your mind opened or closed? Are you able to concede the “good points” the other side make, or do you dismiss the whole argument?

Which Life Insurance Option is Right for You?

Who doesn’t like options? We love them when buying a car, and we expect them when ordering lunch off a fast-food menu. When buying life insurance, however, too many options can not only increase confusion, it can often lead to making the wrong choice, or worse, no choice at all.

Is it Time for REITs Again?

With many people still stinging from a housing market that, in many parts of the country, is still struggling to recover, any suggestion of adding real estate to an investment portfolio may fall on deaf ears. Unquestionably, the bloom has come off the rose in the real estate market; at least when compared with it’s heydays of the last couple of decades.

Tax Diversification

For Maximum Retirement Income You Need Tax Diversification

One of the most important tenets of investing for retirement is to diversify broadly for the best possible long-term returns in your portfolio. However, for the best possible outcome in generating maximum retirement income, special attention needs to be given to achieving optimal tax diversification.

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Congress Park Capital LLC is a Registered Investment Adviser with the U.S. Securities and Exchange Commission. Advisory services are only offered to clients or prospective clients where Congress Park Capital LLC and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Congress Park Capital LLC unless a client service agreement is in place.

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