ScottMcclatchey, CFP

The biggest investors on the planet make extensive use of Alternatives, maybe you should/could also. Here's a primer.

Why Invest in Private Markets? | ThinkAdvisor It's possible to ride along with top-quartile funds found in multibillion-dollar institutional portfolios.

Have you heard people mention alternative investments? They're not for everyone and contain risks along with potential rewards, but for some, it may be a category worth exploring. But do your homework before investing!

What Are Alternative Investments? Definition and Examples An alternative investment is a financial asset that does not fall into one of the conventional investment categories.

In investing and retirement planning, there are many risks to consider. Here's one many have never heard of => "sequence of returns risk".

How To Understand Sequence of Returns Risk You face plenty of risks when investing for retirement. Markets crash, inflation can eat into your returns, you might even worry about outliving your savings. But there’s one big retirement risk that gets very little attention: Sequence of returns risk. What is sequence of returns risk? Also call

Ever wonder what the most common question I get asked might be? A: Can I afford to retire?

Theme-oriented investing skews portfolios toward specific themes an investor feels might outperform stocks overall -- e.g., cloud software, renewable energy, big data, agriculture, infrastructure, Internet of Things, environmental services, Metaverse, AI, blockchain, cybersecurity, sustainability, globalization. Does it work? Sometimes, but it's challenging to pick the right themes at the right times and avoid the wrong themes at the wrong times....

I'm a lifelong learner, having always enjoyed "expanding my horizons" when time permits. If you're like me, having access to MOOC's is an amazing thing, almost as good as mixing peanut butter & chocolate. And most of them are free! (MOOC = Massive Open Online Courses)

MOOC.org | Massive Open Online Courses | An edX Site Find MOOCs from Harvard, MIT, Microsoft and other top universities and institutions in subjects like computer science, data science, business and more.

https://www.nerdwallet.com/article/investing/what-is-how-avoid-probate

What Is Probate and How Can You Avoid It? - NerdWallet Probate is the legal process for distributing your property after you die.

What Is The 4% Rule For Retirement Withdrawals? | Bankrate The 4% Rule is the typical advice about how much a retiree should withdraw from their savings to live on each year. The idea is that you can safely plan to withdraw and live off of 4% of your savings each year during retirement without risking running out of money before you pass away.

Heard of the 4% rule? It's really not a hard & fast rule, but rather a rule of thumb, or very rough estimate of how much a retiree can withdraw annually during retirement. To get a "better" estimate, have a CFP run a financial plan for you along with spending "stress tests" to show you how various scenarios might play out and whether you have enough margin-of-safety in your retirement plan.

What Is The 4% Rule For Retirement Withdrawals? | Bankrate The 4% Rule is the typical advice about how much a retiree should withdraw from their savings to live on each year. The idea is that you can safely plan to withdraw and live off of 4% of your savings each year during retirement without risking running out of money before you pass away.

Latest Social Security update. Summary - it's not bankrupt, but does need Congress to make a few changes so you get what you were promised.

The Health of Social Security: Some Good News and Some Bad News With approximately 94% of American workers covered by Social Security and 65 million people currently receiving benefits, keeping Social Security healthy is a major concern.1 Social Security isn't in danger of going broke — it's financed primarily through payroll taxes — but its financial health...