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Jon W. Ulin, CFP®, Managing Principal of Ulin & Co. is often quoted by national news & media outlets and has provided many informative personal finance, retirement and investment interviews. Be sure to also check out Jon’s “A Wealth Of Insight” blog posts.
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Note: The following articles were prepared by third parties and include quotes from individuals or entities that are not affiliated with LPL Financial or Ulin & Co. The opinions voiced in the following materials are for general information only and are not intended to provide specific advice or recommendations for any individual.
To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. No strategy ensures success or protects against a loss.
The Street 5/10/17 Bull Market Could Dip to 19K: “”Investor sentiment and market fundamentals drive stock prices over time like riding a tandem bicycle. The madness of the crowd or crowd psychology is less rational overtime than the markets themselves. All the brokers coming back out of the woodwork selling doom and gloom hedging products need to chill out a bit,” said Ulin
The Street 5/3/17 Borrowing From Your Retirement Portfolio: “Borrowing from your retirement portfolio is frowned upon because there is a hidden opportunity cost of employees missing out on growth from their monthly investments. It can “have a direct effect on your future retirement nest egg,” Ulin said.
The Street 4/20/17 More Than One Financial Advisor: “As the number of investment professionals who manage their money increases, investors may find themselves in a situation where the “law of diminishing returns can affect your nest egg,” Ulin said
US News 1/24/17 January Tax-Preparation Tips for Early Birds: “Get an early look at what these milestones will mean for your taxes this year before the early-April crunch,” said Ulin
The Street 1/18/17 Tech, Energy and Financial Stocks in 2017: “President-elect Trump’s proposed corporate tax rate cut could leave companies with a windfall in cash and while the majority of it will be utilized for mergers and acquisitions, higher dividends and to pay down debt, a significant portion of the cash may go toward share repurchases which can elevate stock prices,” said Ulin
The Street 1/4/17 How Investors Can Generate Higher Returns From the January Effect: “Instead of focusing on the January effect, which has only occurred 50% of the time during the past decade, including 2009, 2010, and 2014, investors should examine market fundamentals and not try to time the market. When the S&P 500 was negative in January during those 3 years, it still finished strongly, said Ulin
US News 12/26/16 How to Recover From Your Holiday Spending Spree: “Creating a properly balanced budget is key to quickly eliminating debt. Strive to follow 50/20/30 guidelines when it comes to budgeting: 50 percent for essentials, 20 percent for savings and 30 percent for lifestyle or discretionary expenses,” said Ulin
US News 12/19/16 5 Things Everyone Should Know About Dow 20,000: “Over time, we’ll be hitting a lot of these psychological marks. Since WW II, the DJIA index has averaged about 9% per year and will continue to do so hitting new highs over time. Just with a 7.2 percent annualized return, we should be ringing in a Dow 40K by 2027,” said Ulin
WSJ 12/13/16 Four Financial Gifts to Consider for the Holidays: “If a loved one is facing a big bill, offer to pay some or all of the expense directly. Unlimited payments can be made directly to a medical provider or educational institution on behalf of others. One could pay a friend’s out-of-pocket medical expenses or a grandchild’s college-tuition bill. As long the payment is made directly to the service provider, the amount won’t affect the donor’s lifetime federal estate-tax exemption amount of $5.45 million. It also won’t count toward the annual gift-tax exclusion of $14K,” said Ulin
ThinkAdvisor 12/16/16 What Advisors Think of Fed’s Rate Hike: “Investors should not be overweight in “long-duration” fixed income holdings, perpetual preferred stock investments and other sectors that could be affected if long-term rates rise faster than expected,” said Ulin.
The Street 12/16/16 Why the Dow Hitting 20K Won’t Hurt 401K’s: “With our aging population and more people today living well into their 80’s and 90’s, the healthcare sector will continue to run,” said Ulin
US News 11/9/16 3 Financial Lessons to Learn From Donald Trump’s Victory: “Following the herd and believing everything you read in the news can result in a false sense of fear or complacency in any arena,” said Ulin. “Whether politics or investing, it is imperative to do your own research and develop your own opinion.”
WSJ 11/4/16 How to Navigate and Prep for a Surprise Early Retirement: “Cut back on your expenses and find ways to reduce your spending on luxury services like spa visits and home services you often can do yourself ,” said Ulin
US News & World Report 9/26/16 13 Tips for Singles Nearing Retirement: “A good rule of thumb is to save at least 13 to 15 times the average of your last five years of salary for retirement,” said Ulin. “You can develop about $3K-$4K per year of income from each $100K in savings.”
US News & World Report: 7/11/16 Investors Beware of the Sleeping Bear: “Bear phobia is as much rooted in neurosis as numbers. The longer the bull run, the more irrational exuberance gives way to irrational anxiety. This may in fact be the most misunderstood and hated bull market in U.S. history,” said Ulin
The Street 7/7/16 Stock Market Won’t Care if the Fed Doesn’t Raise Rates in 2016: “The Fed’s hands are tied and may not want to stir up the markets during a presidential election year where we may soon experience significant turbulence,” said Ulin.
The Street 6/27/16 Sector Volatility in Brexit Aftermath: “The perception of big market moves can be substantially greater than the actual results. Remember that your investment time frame may be the next five to ten years, not the next five to ten months,” said Ulin
InvestmentNews 6/24/16 Brexit vote whipsaws markets, tests financial advisers’ resolve: “Seven days before the vote we cut our international exposure down to 10%,” said Ulin
InvestmentNews 6/19/16 John Oliver’s criticism helps fiduciary duty go prime time: “We explain the differences between the fiduciary and suitability standards to add value, transparency and trust in our relationships,” said Ulin
Fortune 6/11/16 Five Investing Lessons You Can Learn From Horse Racing: “Hedge your bets: Recreational bettors may love the thrill of picking a long shot once in a while in hopes of turning a small sum into big money, sort of like winning the lottery. But knowledgeable bettors, like disciplined investors, try to put themselves in the best possible position to win by wagering on multiple horses in a given race,” said Ulin.
The Street 6/6/16 Though the Fed Will Not Raise Rates in June, Homeowners Should Refinance Now: “The difference between the 10-year Treasury and a 30-year mortgage rate is 1.7%. If the 10-year Treasury is 2%, a 30-year mortgage rate would be about 3.7%. Even if the mortgage rates in a year hit 5%, the rates will still be well below the huge 8.5% 30-year fixed rate mortgage average since 1971,” said Ulin.
The Street 6/6/16 How the Fed’s Timing Will Impact Market Returns and Credit Card Rates: “While money can’t buy you love or happiness, keeping your debt servicing payments as low as possible may lower your household stress and increase your cash flow over time,” said Ulin.
US News & World Report 5/26/16 Decoding Wall Street’s Wall of Jargon: “Most experts and main street investors alike cannot correctly time the market. Betting on risky investment strategies you don’t completely understand is like playing high-stakes poker or blackjack with your life savings,” said Ulin.
US News & World Report: 5/17/16 How to Pick and Choose the Best Investments: “Most managed investments do not live up to their promises and unique names and themes provided by their managers ,” said Ulin.
Investment News: 4/13/16 LPL partners with BlackRock’s FutureAdvisor Robo-Advisor: “With the new DOL regulations pushing advisors to focus more on utilizing ‘fee-based’ investment platforms, I am looking forward to the new LPL robo-platform,” said Ulin.
The Street: 3/9/16 Why Investors Should Feel Both Fear and Greed: “Consider that 5% to 10% swings in the stock market are the “new normal,” so avoid giving into the fear of losing money. At the same time, investors can find that greed can be a good impetus for staying in the market and can help create a bit of an unemotional approach to short-term volatility,” said Ulin.
The Street:2/20/16 Millennials Will Need $2M For Retirement: “Every $1 million in savings can provide you approximately $30K to $40K each year in portfolio income from a diversified portfolio on the high end,” said Ulin.
Philly.com 2/18/16 Gen-Y -Start Saving for Retirement!: “Just saving & investing $6,500 each year while earning 6% will land you your first million in 40 years,” said Ulin.
US News & World Report 2/11/16, 8 Traits of the Overly Aggressive Investor: “Many people are typically delusional with their ability to pick an investment and often brag that their prediction skills are better at interpreting financial information more than most investors. Prediction overconfidence often leads investors to underestimate their overall investment risks, which can often end badly,” said Ulin.
WSJ 2/11/16, Market Tumble Means More Clients for Advisors: “With global stock markets tumbling and investors looking for both safe havens and advice, we are receiving more calls from prospects looking for help,” said Ulin.
The Street 2/4/16, Key Reasons to Ditch an Investment: “Selecting an ETF or sector merely on its past returns is an example of insanity. Be prepared that higher returns often produce a larger amount of volatility. By the time you ‘discover’ a great idea at a cocktail party, it may already be overpriced and running its course,” said Ulin
The Street 1/19/16, Investing a Windfall: “While investing in the market has its fears and drawbacks, the benefits exceed the weaknesses to keep up with your lifestyle goals. If you are fearful & your money is sitting in cash you may not be able to retire when planned if the returns on your capital are low or nearly non-existent,” said Ulin
The Street 1/15/16, Could the Dow Hit 12,000?: “The panic selling by investors is driving the current correction and is not the outcome of actual stock market valuations and fundamentals failing,” said Ulin. “Develop a diversified portfolio and maintain a strong “Navy SEALs”-type mind set.” “Making money does not happen in bull markets,” he said. “It happens in how you manage your money and behavior in sideways markets and bear markets.”
US News & World Report 1/14/16, 8 Tips for the Anxious Investor: “Stop consulting Dr. Google. Today’s investors of all ages have become more interconnected from tools like Google search to a plethora of news and financial sites with gobbledygook financial predictions and forecasts,” said Ulin. “This investor problem is no different than sick people looking up an ailment online, not seeking professional help and making their own incorrect assumptions and diagnosis.”
thinkadvisor 12/16/15, What Advisors Think of Fed’s Rate Hike: “Now is “a great time for advisors and clients to review investment allocations,” said Ulin
insureon 12/16/15, How to Show Holiday Love to Employees & Clients On a Budget: “Many people are still fighting to get ahead financially, so be considerate of your gifts,” said Ulin
Philly.com 12/3/15, Four pro tips for year-end financial planning: “Year-end is a good time to make sure you are on track with your financial plan,” said Ulin
TIME 10/8/15, 6 Ways to Prepare for a Longer Retirement: “Unless health is an issue, we generally advise our clients to wait to enroll in Social Security,” said Ulin.
MSN 8/5/15, 7 investing tips for 40-somethings: “Do you know how long it will take for your money to double? Use the rule of 72,” says Ulin
CNBC, 7/22/15, Is real estate really the best investment?: “Putting a quarter or more of your savings into flipping one property is not a good idea and a gamble,” said Ulin
Investment News July 8th, 2015: NYSE shutdown: Advisers calm jittery clients: “We have been touching base with people, letting clients know that we know there are incidents going on on Wall Street,” said Ulin
Investment News July 3rd 2015: ‘Cool’ events advisers are throwing for clients this summer: With clients wondering whether the markets are overheated, Jon Ulin’s mostly boomer and retiree clients are asking for financial education this summer
Investment News June 26th, 2015: Are robos making clients think that 1% fee is steep? “There are a variety of features that make advisors work more impactful than online platforms, including measuring risk tolerance, tracking performance and providing answers to questions and a supportive relationship when times are hard,” said Ulin
Investment News April 29th, 2015: No champagne for new Nasdaq record but advisers take heed of history. “Like the 2008 housing bubble, the tech bubble was largely the result of lax regulations and performance chasing. We tell our clients to not lose sleep about the Nasdaq again passing the 5,000 milestone as it did 15 years ago right before the dot-com bubble burst,” said Ulin
CNBC May 4th, 2015: Savvy advisory firms have an effective PR plan. “Target your market. You can’t be everything to everybody,” Ulin said. His marketing focuses on specific audiences: baby boomers, retirees & corporate high-tech employees. Advisor Hub
CNBC March 2nd, 2015: Want more clients? Use These Social Media Strategies. “If you use ‘canned content,’ why would someone else with a large following share or repost to their own readers,” says Ulin
Depositaccounts.com February 2nd, 2015: Tax Refunds: Smaller is Better! “Some people do a little victory dance when that tax refund check comes in the mail. But truth is, in the long run there’s nothing really to celebrate. Unfortunately, it’s just their own money they are getting back,” says Ulin
Mainstreet.com February 9th, 2015: Stop Worrying About 401(k) Volatility and Listen to These 4 Experts. “Many employees have a bit too much confidence in their own company stock- called familiarity bias -and may not be able to take action quick enough to diversify their portfolio,” says Ulin
Wall Street Journal : January 24th, 2015: The Financial Problems in Your Head. “Parents can mitigate the risks of financially enabling adult children by setting boundaries in advance of providing support,” says Ulin
DepositAccounts.com : December 28th, 2014: Is a Real Estate Investment Trust Right For You?: “We provide a limited exposure to private REITs for younger and to older/retired clients seeking income, diversification and hedging, says Ulin.
US News & World Report, October 28th, 2014: How to Bounce Back From a Financial Crisis. “Make every effort to not default on any of your obligations,” Ulin says, “as many employers are now looking at your credit score as part of the hiring process. It’s a wicked catch-22.”
CBS News: May 10th, 2014: Top 10 Beach Towns for Retirees: (Boynton Beach came in at #5.) “You can buy a lot more house in Florida for the same cost all the while saving snow removal expenses and snow tire purchases. Also significant consideration — in Florida, retirees would not be paying city or state taxes,” said Ulin. Read follow up interview on Boynton Beach in the Sun Sentinel.
Deposit Accounts: January 2014: How to Choose A Financial Planner. “Anyone can hang a shingle on their door and call themselves a financial planner,” says Ulin.
US News & World Report: December 2013: 5 Money Myths You Shouldn’t Fall For. “Stocks make you rich – and bonds keep you rich” is a good rule of thumb, but this is another gray area, said Ulin. “The bond bull market for the past 30 years is coming to an end. Interest rates will begin to rise when the Fed starts to taper the monetary stimulus program,” said Ulin
Newsday: September 2013: Money Fix-Creating an Emergency Fund. “Find 3 home-expense areas to trim and you could save $2K a year,” said Ulin
Yahoo Finance: August 2013: How to Find a Financial Advisor If You’re Not Rich. “Middle-class Americans who were hit hardest by the recent recession are crying out for financial guidance, yet are the most skeptical people to trust a financial advisor or spend a dollar to get help.” said Ulin
US News & World Report: June 2013: Five Money Questions to Ask Before You Marry. ” in the months before you say, “I do,” the most important person you should consult with as a couple isn’t the wedding planner – it’s a financial planner,” said Ulin
Credit Cards.com: May 2013: Carrots offered, sticks abandoned: Card issuers lure late payers. ”These unique features are a direct reflection of new financial regulations set by Congress, which limit the ability of vendors to boost their revenues and bottom line by making significant profits off delinquent customers,” said Ulin.
Newsday : February 2013: Money Fix: Downsizing in retirement. “You assume buying a property at the bottom of the real estate market would help to “free up” extra cash for retirement but that is not always the case,” said Ulin.
Financial Planning Association: January 2013: Top 5 Financial Planning Resolutions for 2013. “If you are a baby boomer nearing retirement, create an action plan to pay off your mortgage within four years, before or after, your retirement goal and refi-down to a lower rate if cost effective,” said Ulin.
Newsday- December 2012: Money Fix: Financial New Year’s resolutions. “Create an action plan and timeline for paying your credit card debt as soon as possible. Defer any “instant gratification” purchases until you can pay for them with cash,” said Ulin.
Fox Business News : July 2012: How Much Money Will I Need In Retirement? “The most significant and unexpected expense in retirement is due to out of pocket health- care expenses.” Said Ulin.
Fox Business News : July 2012: Five Steps Young People Should Take to Prepare for Retirement. “Save up to $5,000 a year in a Traditional IRA or Roth IRA as a first step if you do not have an employer-based savings plan or are self-employed.
Fox Business News : May 2012: Three Common Mistakes of First Time Investors. “Don’t time the market. Markets are rational and efficient over time, investors are not,” said Ulin.
Fox Business News : March 2012: Employee Stock Options. “The stock options could be worth zilch — or potentially up to 100% or more of the employee’s negotiated salary – with specific restrictions in place to own or even exercise the options,” said Ulin.
Market Watch : March 2012: Can Internet Stocks Be Blue Chips? “The the risk of investing in the social network could be high. It would be easier “for the next Zuckerberg to come along and build a better network than for someone to invent a better formula for Coke,” said Ulin
Financial Planning Association: January 2012: Gen-Yers: Fearful of Wall Street. “This generation has spent half of their lives sandwiched between the dot com crash and real estate crash and are very wary of Wall Street,” said Ulin.
Market Watch : October 2011 Buy Green Sectors: ” Right now we are only consuming 8% in renewable energy resources in the USA. As long as there is consistent competition for low natural gas and oil prices and no strong incentive by the government to convince utilities to enter more power purchase agreements with eco- resources, it could take years for our renewable energy usage needle to tick upward,” said Ulin.
Yahoo : September 2011: Tips to Invest Like a Pro: “There is no silver bullet to beat the market. Much about market intelligence and personal investing has more to do with behavioral finance, asset allocation and long term strategy than taking action on short term market information,” said Ulin.
Journal of Financial Planning : February 2011: The Life to Plan for After Death: “Never assume there aren’t flaws in a client’s estate plan or that probate will go smoothly with the court system”, said Ulin.
Sun Sentinel – : October 2010 Your Money on Fixed Annuities: “One risk of a fixed annuity is that the rate could be reset up or down,” said Ulin. Check with your broker or financial advisor.
CFO Magazine : October 2010 : Choice Offerings: “ With employee workplace financial education, there should not be just one generic education resource offered. People differ in the level and form of service they desire. A “one size fits all” approach is not likely to be effective,” said Ulin.
Boca Raton Observer : September 2010 Interview: “All brokers have access to the same investments and planning tools. There’s no silver bullet to predict the markets,” said Ulin. Check the credentials of your broker.
Journal of Financial Planning : April 2010 Estate Planning: “Clients can be conflicted. Sometimes estate planning is about control, but many times it’s about uncertainty of their own goals”, said Ulin.
Practice Management Solutions : September 2009 Back to Basics: “Advisor’s clients may now be looking beyond returns and focusing more on their advisors competency and service”, said Ulin.
Boca Raton Chamber of Commerce : September 2008– “Six tips to protect yourself and your business.”
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