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Adam Torres CFP®, AAMS®

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Sunday, January 14, 2018

We are half way through January and many of you have set New Years resolutions to improve your finances. Well in my experience, the only way to improve your finances is to change your financial habits. Now this can be a tricky endeavor...

 

Monday, December 11, 2017

According to Bloomberg about 1,000 people known as “Bitcoin Whales” control 40 percent of the Bitcoin market. This concentration of bitcoin could be a cause for concern to those entering the market. Because bitcoin...

 

Tuesday, November 28, 2017

The new year is fast approaching which means we will be writing 2018 on our checks soon. This time of year is typically filled with holiday celebrations and family. Many use this time of year to reflect on the past while planning for...

 

Monday, November 13, 2017

I am writing this article while flying back from a speaking engagement at Western Michigan University. Seeing those college students in the audience I was reminded of the costs that each one of them are incurring to occupy those seats...

 

Monday, November 6, 2017

Contributing to a retirement plan has been a great way to build wealth for many. The tax and diversification benefits have become a cornerstone in retirement planning. Thats why I am happy to share with you that limits have been...

 

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Wednesday, November 1, 2017

Premarital financial planning has become more important than ever. The distribution and accumulation of wealth that is taking place has changed the dynamics of when a person should begin planning. Couple this with more complex familial...

 

Tuesday, October 31, 2017

No Spend November is a counterculture concept that should not be ignored. In the United States it can be argued that we have become trained consumers. Every holiday season without fail, many in this country will rack up debt that will...

 

Monday, October 30, 2017

Choosing an investment can often be a daunting task. Even if you are being guided by a seasoned financial advisor, decisions have to be made about appropriate risk levels and time horizon for the investment. Each investment choice will...

 

Monday, October 23, 2017

The face of retirement has been forever changed. The world is becoming more connected and it continues to shrink as globalization advances. This makes it unlikely that retirement will be spent like your parents, grandparents, or...

 

Tuesday, October 17, 2017

Planning for retirement isn’t an activity set aside for a selected few. You may be just graduating college and have your first big job. Maybe you have many years in the workforce and are considering winding your career down? Or...

 

Sunday, October 8, 2017

Investing mistakes are often times avoidable. I have advised clients for well over a decade and certain patterns of mistakes do not have to be endured. Let’s think about some of what has been experienced in just the last 15 years...

 

Monday, October 2, 2017

Many of us go to work and earn substantial incomes but are unable to increase our overall net worth. Why is this? I have found that much of the problem has to do with a basic understanding on how to accomplish this goal. Working with...

 

Sunday, September 24, 2017

When assessing a clients goals and long term ambitions to create a strategy to guide them, it is important that they first understand some of the basic fundamentals of money. It’s a mistake to think that a successful lawyer,...

 

Sunday, September 17, 2017

Visit any social media site and it is likely that you will see an ad from some pundit claiming that they know the secret to wealth. It may be a new invention, industry, or investment such as bitcoin that is supposed to revolutionize or...

 

Monday, September 11, 2017

Crowdfunding is considered by many to be a new innovative way to invest. Think about it, you receive the pitch deck of some new tech start up or flashy app that is supposed to revolutionize life as we know it. But all too often the...

 

Monday, July 31, 2017

Many goals you have in life can be achieved simply by programing yourself with the correct habits. If you want to get fit and sculpt your body, stick to a nutrition and workout plan. Over time you will see results. Deviate from the...

 

Sunday, July 9, 2017

Ever heard the saying, “it’s not how much you make, but how much you keep that matters.” I don’t think too many people would argue with that statement. Many make the mistake of not asking themselves the next...

 

Friday, June 30, 2017

Small business owners are faced with many challenges especially when a business is in it’s first few years of operations. You may find yourself working at a frantic pace to just keep up with the day to day demands of your...

 

Wednesday, March 1, 2017

Good news: A new study finds that older Americans have more job options these days when it comes to working longer. Over the years, researchers at the Center for Retirement Research have found that job hunters in the 50-64 age group...

 

Wednesday, February 15, 2017

Baby boomers are in the home stretch, either heading for retirement or already there. But that doesn’t mean it’s time to relax. The beginning stages of retirement are critical, with many opportunities for costly mistakes....