Broker Check

Blog

Tuesday, January 30, 2018

We all have to make decisions. Sometimes the decisions are small ones, other times they are big. The decision to plan for retirement. Or not. The decision to address estate planning. Or not. The decision to plan for potential senior...

 

Tuesday, January 30, 2018

You’ve likely heard the saying when it comes to investing, “Don’t put all of your eggs in one basket”. That’s a great way to think of diversification. Diversification of your financial portfolio involves...

 

Tuesday, January 30, 2018

When our sons were born, we knew we wanted them to develop a business acumen and strong work ethic at early ages. When they were 7 and 9 we bought a golf driving range for Jacob and Zachary to run. As a financial advisor, I am...

 

Tuesday, January 23, 2018

Financial exploitation of seniors and vulnerable adults is matter of great concern for Schulfer and Associates, for LPL and the financial services industry in general. FINRA has taken steps to help firms address these concerns and to...

 

Wednesday, January 17, 2018

That’s the “million-dollar” question I get asked often. Truth is, there is not a magic nest egg number that works for everyone. Retirement planning is like a giant equation with many inputs and variables. To...

 

Show All

Tuesday, January 16, 2018

What does it take to raise financially responsible kids? The three words financially, responsible and kids each have significant importance when pondering the answer to that question. Financially: Money matters. Responsible: I believe...

 

Tuesday, December 26, 2017

Thank you for keeping up with our exciting updates! We’re delighted to send you part four! Have you visited us at SchulferAndAssociates.com lately? Based on feedback from our advisory council, we’ve streamlined the content,...

 

Tuesday, December 19, 2017

I googled “wealth” recently and got about 280,000,000 results in .42 seconds. I scrolled through the top few pages of hits and to no surprise the results were all about money. Now, I work with people and their money day in...

 

Tuesday, December 5, 2017

E-signature is now allowable for most of our investment applications and other paperwork. Electronic form-filling and submissions are more efficient, reducing errors such as missed information, signatures or initials on paperwork. Once...

 

Tuesday, November 28, 2017

Greetings! We’re continuing our communication with you regarding the exciting business advancements that Schulfer & Associates has made throughout the course of 2017. By now you’ve surely noticed the updated LPL account...

 

Tuesday, November 14, 2017

We’ve had a productive year of business advancements that we are excited to share with you. In fact, there is so much to share that we will be doing so in various e-mails over the next several weeks. We kicked off 2017 tackling a...

 

Thursday, October 12, 2017

Every now and again, I receive calls asking curious questions about what a person may be able to do with their IRA (Individual Retirement Arrangement). Often, they’ve heard an angle from a friend, a pitch from someone trying to...

 

Tuesday, September 26, 2017

Many of us enjoy social media. It’s fun to connect with people we don’t regularly see, keep up to date on each other’s lives, and share entertaining posts with our friends. It’s a great tool to get to know more...

 

Tuesday, September 5, 2017

In my last article, I wrote about risk management and how for most of us life Insurance is a remarkable tool to manage what may likely be your family’s greatest risk. Not everyone “needs” life insurance; maybe your...

 

Friday, September 1, 2017

There are many types of IRAs. The two main categories which you may already be aware of are Traditional and Roth. The difference between the two is significant. Contributions or rollover dollars are received into a traditional IRA as...

 

Tuesday, August 29, 2017

As a Wealth Management Advisor, a significant part of my job is to analyze risk. Risk to an investment portfolio, risk to a financial plan or a retirement income plan, risk to a business plan..… risks are the “what...

 

Monday, August 14, 2017

On November 2, 2015 President Obama signed into law, the 2015 Bipartisan Budget Deal. Section 831 contained significant changes to Social Security, which I had written about within days of the law passing as information began to...

 

Tuesday, July 25, 2017

Is it better to own my own life insurance policy or purchase extra group insurance through my employer? That’s a question I hear often in financial planning. The answer? It depends. As part of an employee benefit package, many...

 

Tuesday, June 27, 2017

Planning for retirement can seem intimidating and is often filled with ambivalence. On the one hand, we fantasize about how great it would be to have a schedule filled just with our own personal activities, not having to report to work...

 

Thursday, June 8, 2017

When you leave a company, you generally have four options as to what to do with your retirement money. 1) Cash it out. Brace yourself for the taxes due and, if you are under 55 for certain types of plans or 59 ½ for others, an...

 

Tuesday, May 23, 2017

Growth in business is key to success and longevity. Ours is no exception. Each Friday morning our team works on business development and a few times each year we travel to spend time with other top advisors from around the country at...

 

Tuesday, April 25, 2017

In the years before I was a financial advisor, I had heard that the consensus about women and investing was that wives were often left out of making decisions regarding their family’s investment portfolio and retirement planning....

 

Tuesday, February 28, 2017

“The only constant is change” -- Heraclitus, Greek philosopher. Isn’t it interesting that this quote dates back to approximately 500 BC? Heraclitus created doctrines about the constant change and flux of life. Many...

 

Monday, February 13, 2017

The answer is no. You do not need life insurance on yourself, but your spouse and/or children may need you to have life insurance. What is the best way to find out if and how much life insurance you need? Start with a conversation. A...

 

Tuesday, November 29, 2016

In my line of work, people have to make decisions. Sometimes the decisions are small ones, often times they are big. The decision to save more. Or not. The decision to purchase life insurance. Or not. The decision to reposition assets....

 

Tuesday, November 22, 2016

Choosing a life insurance policy can seem confusing, frustrating and intimidating. It’s a big decision and since life insurance premiums are not cheap, you’ll want be sure you are making an informed choice. More important...

 

Friday, October 7, 2016

The world we live in is complex and managing your money is no exception. Layers of rules and regulations make managing your assets more complicated than merely selecting investments to achieve a rate of return. One of my favorite...

 

Tuesday, September 27, 2016

As I get older, I have a much greater appreciation for my health. I eat nutritious foods and work out just about every day. Lifting weights and jogging are not things that I enjoy doing, but I sure do value the mental sharpness I feel...

 

Wednesday, September 21, 2016

Losing your spouse is losing your best friend, your soul mate and also, your financial partner. From a financial aspect, it’s as if you have a business and you’ve just lost your only business partner. This is one of the...

 

Tuesday, August 23, 2016

You’ve worked hard all of your life. You’ve saved and invested your money, paid taxes on your income and you’ve made the mandatory contributions to government programs like Social Security and Medicare. Like so many...

 

Monday, July 25, 2016

By LouAnn Schulfer, AWMA®, AIF® Accredited Wealth Management AdvisorSM Accredited Investment Fiduciary® Many of us enjoy social media. It’s fun to connect with people we don’t regularly see, keep up to date on...

 

Wednesday, June 15, 2016

Recently I was interviewed by Mark Henricks, a journalist from Austin, TX for an article that will be published on MainStreet.com, the personal finance website of TheStreet.com (if you watch CNBC you recognize “The Street”)...

 

Wednesday, June 15, 2016

For years, we’ve worked with investments that are “alternative” to the traditional offerings that many people are used to or have experience with. When I meet with new clients, it’s still very common for me to...

 

Thursday, June 9, 2016

I googled “wealth” recently and got about 280,000,000 results in .42 seconds. I scrolled through the top few pages of hits and to no surprise the results were all about money. Now, I work with people and their money day in...

 

Thursday, June 9, 2016

You may conjure a vision of the fortunate fella or lucky lady who wins the lottery and overnight, his or her financial dreams have come true. Certainly this is one way to suddenly come into a large sum of money that you didn’t...

 

Thursday, June 9, 2016

Earlier, I wrote an article: Retirement: A Financial Decision or an Emotional Decision? If you didn’t get a chance to read it, it can be found at www.SchulferAndAssociates.com | Our Blog. This article is a sequel. The truth is,...

 

Thursday, June 9, 2016

I explain to my clients that building a secure retirement plan is an equation. From a high level, that equation includes formulating an income plan and coordinating that with your spending plan. We identify your needed income (housing,...

 

Thursday, June 9, 2016

When you hear the words “Retirement Planning” the natural association is financial. How much money have you and your spouse accumulated throughout your working years? What is a reasonable distribution rate to determine the...

 

Thursday, June 9, 2016

It’s the line we as advisors say all the time. Yet, when I meet with clients at our firm who have been managing their own money, past performance is usually the number one metric that they tell me they’ve based their...

 

Thursday, June 9, 2016

A couple of months ago I wrote an article, Fun Financial History explaining the origins of a few of my favorite and the most frequently used financial references: bull and bear markets, Wall Street and ticker symbols. If you missed...

 

Thursday, June 9, 2016

A common misunderstanding that I come across working knee-cap to knee-cap with people is what an IRA is. IRA stands for Individual Retirement Account. “I” is for Individual. That means an IRA can only be owned by an...

 

Thursday, June 9, 2016

How did bull and bear markets get their names, and what do they mean? Even if you are not the least bit interested in the markets or investing, you can’t help but hear these frequent references. A bull market is one that is...

 

Thursday, June 9, 2016

In my previous article “Retirement, Like a Rubix Cube”, I wrote about the complexities of retirement planning with respect to solving for the entire retirement income puzzle. Like a rubix cube, retirement planning has many...

 

Thursday, June 9, 2016

In the years before I was a financial advisor, I had heard that the consensus about women and investing was that wives were often left out of making decisions regarding their family’s investment portfolio and retirement planning....

 

Thursday, June 9, 2016

It may sound like semantics but empirically, a trader is very different from an investor. Either is perfectly fine as long as you don’t confuse the two, and know which you are. Using the stock market as one example, a trader is...

 

Thursday, June 9, 2016

Most people are familiar with how to save for retirement, and do a good job at it. Making regular contributions to your 401k, taking full advantage of your employer’s matching dollars, adding money to IRA’s or ROTH...

 

Thursday, June 2, 2016

Losing your spouse is losing your best friend, your soul mate and also, your financial partner. From a financial aspect, it’s as if you have a business and you’ve just lost your only business partner. This is one of the...

 

Thursday, June 2, 2016

In my last article, I wrote about risk management and how for most of us life Insurance is a remarkable tool to manage what may likely be your family’s greatest risk. Not everyone “needs” life insurance; maybe your...

 

Wednesday, June 1, 2016

It’s a question that isn’t asked or understood enough: What amount of commitment does your investment require? For those with a few decades of life experience such as myself, I don’t have to point out how our culture...

 

Sunday, April 10, 2016

I explain to my clients that building a secure retirement plan is an equation. From a high level, that equation includes formulating an income plan and coordinating that with your spending plan. We identify your needed income (housing,...

 

Friday, February 26, 2016

When is the last time you’ve had your life insurance policy reviewed? As with all types of business, the life insurance industry has evolved. There are things we can do with life insurance today that could not be done years ago. One of...

 

Saturday, February 6, 2016

What would happen if you were to die today? It’s a question I ask all of my clients at some point. Often, the first response I receive is superficial and sarcastic, making light of the question. For all of us, it’s hard to imagine our...

 

Wednesday, December 30, 2015

It’s an arbitrary question in some ways, but certainly not a rhetorical one. Our life’s worth can be defined in many ways, sometimes best pondered through question. In reflection, what kind of lasting impact have you had on others?...

 

Tuesday, December 22, 2015

We meet with a significant number of people each year who are preparing for retirement. If you are planning on retiring, the thought of structuring your retirement income plan can feel like trying to solve a rubix cube. On one side of...

 

Tuesday, December 1, 2015

Recently I wrote an article titled Big Changes to Social Security Planning for Some. The changes to Social Security are due to section 831 of the 2015 Bipartisan Budget Deal that was signed into law on November 2, 2015 (you can read it...

 

Friday, November 6, 2015

On Monday, November 2, 2015, President Obama signed into law a 2 year bipartisan budget deal that avoids a United States default. The deal includes several provisions, one of which will affect social security planning for many.The deal...

 

Monday, October 26, 2015

We work with a substantial amount of people throughout the course of a year who are actively planning for retirement. Questions we commonly hear include: Where is the best place to put my retirement savings (401k, IRA)? Which pension...

 

Thursday, October 22, 2015

So what do Halloween and investing have in common? Is it the fear of the unknown? Scary times? Afraid you’ll be haunted by your next investment move? Maybe for some people. For me, there are a number of interesting financial related...

 

Thursday, October 15, 2015

I like to simplify things. Break them down into the fundamentals. Then, once the basics are established we can add the more complicated facets in.So, what causes a stock market sell off? Simply put, there are more sellers than there...

 

Wednesday, August 26, 2015

Earlier I wrote an article “Inspiring Entrepreneurialism in Our Kids”. When our sons were very young, we set a goal for them to have some sort of part-time business to operate during their teenage years. The opportunity presented...

 

Wednesday, August 26, 2015

When our sons were very young, my husband Gene and I set a goal to have some sort of part-time business for them to run during their teenage years. We wanted Jacob and Zachary to develop a business acumen early in life. We wanted them...

 

Tuesday, August 11, 2015

Recently, I was interviewed by Mark Henricks, a journalist from Austin, TX for an article that will be published on MainStreet.com, the personal finance site of TheStreet.com (if you watch CNBC you recognize “The Street”). Mark has...

 

Wednesday, June 3, 2015

I am a quotations fanatic. Some quotes are profound and some are funny. What I love about quotes is that the great ones say so much with just a few words of wisdom. Here are some on retirement with reflection from me. If you know...

 

Wednesday, January 9, 2013

Many people resolve financially to do one or more of the following: save more, spend less or pay off debt. With these goals, the key to success is not unlike slimming down your waistline. Schulfer suggests thinking about what you want...

 

Wednesday, November 28, 2012

JAMES J. ROBINSON ATTENDS LPL FINANCIAL 2012 NATIONAL CONFERENCE, A LEADINGFINANCIAL SERVICES EVENT FOCUSED ON INCREASING VALUE TO INVESTORSStevens Point, WI August 19-22 James J. Robinson from Schulfer & Associates, LLC Financial...

 

Wednesday, November 28, 2012

LouAnn Schulfer of Schulfer & Associates, LLC Financial Professionals, was recently nominated andapproved as a Board Member to the North Central Wisconsin Workforce Development Board(NCWWDB). NCWWDB is a public/partnership between...

 

Wednesday, November 28, 2012

LouAnn Schulfer of Schulfer & Associates, LLC Financial Professionals was recently recognized as anInsurance Champion by LPL Insurance Associates. This recognition is for the top 40 advisors in LPLInsurance Associates, which is part of...