Founder of REAP, David H. Morgan has decades of experience in the investment, retirement and estate planning industry advising individuals, professionals, and families in these matters.
Learn a bit more about him through the 20 questions below, or view his full bio here.
1) What are 3 words people use to describe you?
David H. Morgan: committed, focused, honest
2) If happiness were…
From: kitces.com
For any financial planner who charges for their advisory services, quantifying the value (or value-add) of good financial planning advice is crucial in order justify the cost. At the most basic level, no service business is viable – financial planning or otherwise – if the value of what’s delivered fails to exceed its cost.
Yet ultimately, the exercise of trying to…
From: Sierra Mutual Funds & Ocean Park Asset Management, Inc.
Municipal bonds (“munis”) have a lot of attractive qualities. First and foremost, unlike Treasuries or corporate bonds, the interest paid on municipal bonds is free from federal and, in some cases, state and local income taxes. That may make munis especially appealing to investors in higher personal income tax brackets. Check out the chart…
From: fa-mag.com
Conventional wisdom in any area of life is far from infallible, and this is as true in retirement planning as it is in politics.
If you go by the standard recommendation for withdrawing money from various savings accounts and for taking Social Security benefits, a retiree could end up running out of savings in retirement.
William Meyer and Dr. William Reichenstein, experts in retirement planning…
From: fa-mag
Many Americans regret the risks not taken in life, according to Allianz Life Insurance Company of North America, but they may have time to make up for it.
As the average American lives longer — up to 30 years longer than 100 years ago — nearly a third of Americans wish they had done something different with the time they…
From: thinkadvisor.com
In exclusive interview, Lou Harvey laments the scarcity and necessity of advisors’ client hand-holding.
The Boston-based consulting firm just released its famous Qualitative Analysis of Investor Behavior (QAIB) study, now in its 21st annual edition, and it once again exposes a wide gap between investment returns — the return of a benchmark index — and the much smaller returns…
More than half of all marriages end in divorce, of these 75% will marry again. Of these, 65% of the remarriages will involve children. These facts can present some unique questions in estate planning. Either or both spouses could have been married, gotten divorced, and have children from a previous marriage.
Estate planning in the new age of the blended family is challenging, and extremely important. Without a solid estate plan, you have no way…
From: financial-planning.com
Consistency of portfolio performance is quite an enigma. On the one hand, it’s what many investors, including your clients, will claim they want. On the other, many won’t stick with a portfolio long enough to ever experience its consistency.
Thus, if a portfolio actually demonstrates performance consistency, will anyone actually notice?
Let’s examine the consistency of rolling five-year annualized returns for 12 major asset class indexes and…
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From: REAP, LLC. | Retirement & Estate Advisors & Professionals
For many, long-term goals include working hard to create financial security for yourself and your loved ones and to enjoy your wealth along the way. Recent news stories about generous donations may have you thinking more about how to make a meaningful difference on a larger level. But how do you decide the best way…
Key Takeaways
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