Switchpoint Financial Planning LLC

This article is even more relevant in today's ultra-low interest rate environment. Paying your advisor 1% on a bond portfolio yielding the same 1%? That means you're taking all the risk and your advisor is taking the entire yield for himself. Not sure how you can justify that.

High Fees + Low Bond Yields = A Recipe for Disaster In today’s interest rate environment, investors (especially those in retirement) are scrambling to find ways to increase the yield of their investment portfol

https://switchpointfinancial.com/why-your-financial-advisor-doesnt-use-index-funds-and-how-its-hurting-you/

Why Your Financial Advisor Doesn’t Use Index Funds – And How It’s Hurting You Earlier this year, index fund assets surpassed actively-managed funds for the first time ever. Initially ridiculed and ignored when they were first introduced a

https://switchpointfinancial.com/utah-ponzi-schemes/
Sadly Utah is the Ponzi scheme capital of the U.S. See why and how to protect yourself and your family.

What Every Utah Resident Should Know About Ponzi Schemes In 2019, Jordan Maglich of PonziTracker.com released a 10-year survey of Ponzi schemes in the U.S. What he found confirmed what many Utah financial advisors hav

https://switchpointfinancial.com/financial-advisor-credentials-titles-terms/

Understanding Financial Advisor Credentials, Titles and Terms What’s the difference between a financial advisor and a financial planner? Between fee-only and fee-based? Between CFP® and CFA®? The financial services

https://switchpointfinancial.com/huge-tax-savings-using-net-unrealized-appreciation-nua-rules/

If you own employer stock in your 401k and you're thinking of retiring soon, this is something to consider.

Huge Tax Savings Using Net Unrealized Appreciation (NUA) Rules Do you have company stock in your 401(k) plan? Net Unrealized Appreciation rules could save you thousands in taxes. NUA rules allow you to withdraw company stoc

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Get Retirement Ready Learn how you can get the most out of your retirement.

https://switchpointfinancial.com/19-questions-ask-financial-advisor/

19 Questions You Should Ask Your (Prospective) Financial Advisor Are you trying to decide who to hire as your new financial advisor or wondering if the one you have is acting in your best interests? With so many opinions and

https://switchpointfinancial.com/do-you-have-an-investment-philosophy-you-can-stick-with/

Do You Have an Investment Philosophy You Can Stick With? David Booth, Founder of Dimensional Funds, said that "the most important thing about an investment philosophy is that you have one you can stick with." I've

https://switchpointfinancial.com/approaching-retirement-avoid-these-5-common-pitfalls/

Approaching Retirement? Avoid These 5 Common Pitfalls While retirement is often depicted as relaxing and carefree, the reality is that the financial uncertainty of leaving behind a steady salary can lead to high le

https://switchpointfinancial.com/march-madness-monkeys-mutual-fund-managers/

What do March Madness, Monkeys, and Mutual Fund Managers Have in Common? Two of my favorite things in the world are basketball and investing. While watching March Madness, I couldn’t help but think of some parallels to the world of