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Safe Harbor's "of counsel" Senior Planner Frank Boucher, of Boucher Financial Planning Services, was recently quoted in an article about the current market conditions.

At Safe Harbor we believe that the key to successful long term investing is maintaining an appropriate asset allocation among stocks, bonds, and cash reserves that is congruous with risk tolerance, time horizons, and return requirements.

Would you be comfortable if your doctor was receiving commissions from drug companies for your prescriptions?

How would you feel if your accountant based his or her compensation on how much money you have rather than on the work they perform for you?

I think it is safe to say that for anyone who has spent time cleaning out someone’s house after a life changing event the words “I wish [Mom and Dad/Grandma/Aunt Mildred, etc.] had more stuff!” have never been uttered.

You may recall the commercials with people walking around with their "number" for retirement savings on their shoulders or seen the "follow the green line" ads.

Opening your mail in January can be an unpleasant task. Not only do you see the credit card statements for all of those special Christmas gifts and activities you start seeing lots of mail items with a notice that it contains "Important Income Tax Information." This can only mean that the march to April 15th has begun.

Many people go to a financial planner and just want the bottom line answer. This is not always feasible or appropriate as proper financial planning is a process, not an event.

While our extended longevity should be greeted with gratitude for the possibility of enjoying a longer life with our grandchildren, many retirees are approaching it with trepidation, wondering if their hard earned assets will be sufficient to fulfill their vision of a good life for the rest of their life – however long it should last.

Young families with an eye to the future are faced with a daunting choice – to save earnestly for a secure retirement or to save for their children’s education. Can you do both?