Michael Brady & Co LLC

Blogs

  • September 11, 2017
    In case you haven’t been paying attention, we are living in the beginning years of the Age of Machines.  Robots, Artificial Intelligence, Drones, Self-Driving Cars, and now “Robo” Investment Advisors.  And the machines can be very precise and diligent at what they do.  But what they can’t be is human.  Humans have qualities that, to date, escape machines.  Humans have a connection to other...
  • August 10, 2017
    The Boy Scout’s motto has served me well over the 30 plus years that I have been advising families on their most important financial decisions.  It has forced me to be constantly on the lookout for changing and dangerous conditions in all of my activities.  Planning a family’s financial future is very much the same as planning an outdoor adventure.  I am vigilantly observing the changing conditions...
  • July 7, 2017
    The world around us is changing every day and the rate of change seems to be accelerating.  Every aspect of life is experiencing the effects of these changing forces.  These changes affect our financial lives and require us to remain flexible and to change with the world.  New technologies provide opportunities as well as challenges.  If you are not prepared to change with the world you could experience...
  • June 5, 2017
    We’ve all been told that it’s important to have goals in life.  Whether it’s a continuation of your lifestyle in retirement, starting a new business or running a marathon it is important to have goals and a vision of the future achievement of those goals.  Picture yourself living the lifestyle you desire in retirement, crossing that finish line of the marathon, or running that successful business. ...
  • May 10, 2017
    The 2017 DALBAR study of investor behavior has been released and it compares the returns of the average investor with the average returns of the investment markets.  And guess what – the average investor isn’t doing so well.  The average investor has averaged a 3.6% return over the last 10 years in their stock funds as compared to the S&P 500 Index which averaged 6.95% over the same period. ...
  • April 3, 2017
    We are retirement income and IRA distribution experts.  We’ve been providing answers to retirees and pre-retirees for over 30 years.
      As America’s baby boom generation continues age the number of questions seem to grow.  Over 2.5 million people will turn age 70 this year.  That means that they will need to begin taking required minimum distributions from retirement accounts and pay some tax...
  • March 7, 2017
    Don’t worry about the things you can’t control and concentrate on the things you can.  With the markets reaching all-time highs, many people are wondering how long it might be before they retreat, how far they might decline, and how long they might be down.  They are wondering what might cause the markets to decline.  These are unknown variables and the unknown always causes concern.
    You would...
  • February 7, 2017
    On Friday, February 3rd, a new rule set to take effect on April 1st was suspended by President Trump. That rule would have made it mandatory that securities and insurance salesmen put the interests of investors first when recommending products and giving “advice.” The rule, known as the Fiduciary Rule would have forced the salesmen to provide advice and utilize investment and insurance products...
  • January 9, 2017
    With proper planning you should be able to minimize costly mistakes and avoid panic when temporary disasters strike. And temporary disasters occur on a regular basis. Proper financial planning can help to reduce the effects of these disasters and to help speed recovery.
  • November 30, 2016
    Now that the stock market has hit an all-time high crossing over 19,000 for the very first time, what should you be doing with your retirement savings? How do you turn your retirement savings into a lifetime income stream that keeps pace with the rising cost of living without running out of money?
  • October 31, 2016
    We are retirement income and IRA distribution experts. We’ve been providing answers to retirees and pre-retirees for over 30 years. We believe in placing your best interests first. We are proud to commit to the following five fiduciary principles:
  • October 6, 2016
    There seems to be quite a bit of confusion among investors when it comes to selecting a professional financial adviser.  I am a full-time fiduciary fee-only professional Certified Financial Planner™ practitioner (a CFP®.)  That’s my full job description.  It is no wonder so many people are either confused or have their heads in the sand on this issue when it comes to selecting someone to help...
  • September 6, 2016
    You work hard for your money and there are certainly more than enough challenges in saving for retirement, college education for your children and all the normal costs of modern living.  You want to avoid making mistakes with your money and thereby increase your chances of success in achieving your financial goals.  Here are six common mistakes to avoid:
    Making emotional decisions.  Investors get...
  • August 4, 2016
    How dare I ask how much you love your family?  I’m sure you love them unconditionally and more than anything in this world.  You love them enough to provide for them, care for them, and support them.
    You love them enough to create an emergency savings account to cover unexpected expenses that might threaten their security.  What if the roof blows off, or the hot water tank quits, or the car needs...
  • July 11, 2016
    I was riding my bike this past weekend on a particularly windy day and my thoughts came around to a perfect metaphor for investing for retirement. While there is certainly joy in the journey there are also times of stress and concern.
  • June 3, 2016
    For many people thinking about retirement, their biggest fear is running out of money while they are still alive. I have been working with folks to overcome this fear for over 30 years and here is what I have learned in as simple of terms as I can give you.
  • May 6, 2016
    Life moves fast. When we are taking care of our families, taking on more at work, paying attention to our kid’s schoolwork and all that life throws at us – who has time to get their financial house in order? A fee-only Certified Financial Planner™ can assist you in bringing order to the things that seem to get put off to another day.
  • April 7, 2016
    You are going to be reading a lot about the Government’s new rules being imposed on Stockbrokers and Insurance Agents (Salesmen) who deal with company retirement plans and individual retirement accounts (IRAs). The Department of Labor has been concerned that the Salesmen are selling a lot of high priced investment and insurance vehicles to these plans and that the investment returns to individual participants are reduced due to the high costs.
  • February 8, 2016
    We all know the old saying “No Risk No Return” but many don’t fully understand why. Why must we have –and live through - the “Rain” in order to have the “Flowers”?
  • January 7, 2016
    The National Association of Personal Financial Advisors (www.napfa.org), the association of Fee-Only financial advisors, recently announced the results of a survey of its members as to their top retirement planning advice for pre-retirees. The advice was structured for 5, 10 and 20 years out from retirement day.
  • December 2, 2015
    The National Association of Personal Financial Advisors (www.napfa.org), the association of Fee-Only financial advisors, recently announced the results of a survey of its members as to their top retirement planning advice for pre-retirees.  The advice was structured for 5, 10 and 20 years out from retirement day.
    To jumpstart Americans’ retirement planning, NAPFA asked its members to rank advice...
  • November 9, 2015
    The National Association of Personal Financial Advisors (www.napfa.org), the association of Fee-Only financial advisors, recently announced the results of a survey of its members as to their top retirement planning advice for pre-retirees.  The advice was structured for 5, 10 and 20 years out from retirement day.
    To jumpstart Americans’ retirement planning, NAPFA asked its members to rank advice...
  • October 5, 2015
    As the investment markets continue to roil we should all review our investment choices to make sure we are best positioned to ride out the storm with the least amount of damage.
    It has been quite a few years since the stock market was this volatile and many investors have gotten into the market and have not witnessed its downside.  A review of the stock market’s history would be informative. ...
  • September 4, 2015
    We all know that over time the price of wine will continue to go up and up. If we can take advantage of a temporary price decline for any reason and buy our wine for less, that is a gift and we should be ready to buy. So it is with stocks.
  • August 7, 2015
    Will you be prepared for the day when you are no longer able, or simply no longer desire to work for a living and will need to rely on your nest egg, social security, and if you are of the lucky few, a pension payment?
Michael Brady & Co LLC   |   25586 Bagley Road, Suite 2   |   Olmsted Falls, OH 44138   |   P: (440) 235-2100   |   F: (866) 217-9609
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