Paladin: Investor Services Since 2003

There is no substitute for investment knowledge . The more you know the higher the probability you will achieve your financial goals.

	Free service, no registration required
	All articles authored by five star rated financial planners and advisors who are profiled on www.PaladinRegistry.com
	Select a category or search by author or key word

Site Map

Page

	Planning for Retirement and Investment Services at The Financial.org
	About The Financial.Org
	Contact Us
	Terms of Service
	Privacy Policy

Financial Services

	Here's One Legacy You'll Want To Leave
	Guide to mutual funds
	Why i don't want to buy life insurance
	INVESTING IN A HEALTH SAVINGS ACCOUNT
	2009 Presents Challenges and Opportunities for Investors
	Financial Planning for Newly Single Parents
	Inuring Your Vacation ... Make Sure You're Covered
	Using an Elder Law Attorney
	Understanding Long Term Care Planning
	Important Community Services for Long Term Care
	Hospice Care
	The Problems with Long Term Care Insurance
	Is Medicaid Planning Ethical
	Using a Specialist to Prepare Financially for Long Term Care
	Beware of Reverse Mortgage Specialists Who Might Take Advantage of You
	The Value OF A Fee-Based Advisor
	The Ins And Outs Of Life Insurance

Planning for Retirement

	Preserving Your Retirement Benefits:
	Social security - what's behind the numbers
	Retirement Plans: Profit Sharing and 401(k)s
	Defined Benefit Plans
	Completely Clueless
	Retirement Planning for Self Employed Professionals
	Surviving in an Era of Cradle to Grave Insecurity!
	Social Security: A Primer Part II
	Social Security Alternatives
	Let's Get Back to the Spirit of ERISA: Preventing another Enron Disaster
	More on Company Stock in Retirement Plans
	Early Retirement Tactics
	Keeping Time on Your Side
	Defined Benefit Plan Termination
	Defined Contribution Plan Overview
	Section 457 Plans for Municipal and State Employees
	Add a Roth Contribution to Your Solo 401(k)
	Bernanke plays it safe with his finances
	The aging of america
	Is Your 401(k) Working in Your Best Interest?
	Solving the Problem of the 30 Year Retirement Income Stream
	Major Retirement Planning Blunders
	2007 Social Security Wage Based Changes
	Common Mistakes Among Baby Boomers
	Striking a Delicate Retirement Balance
	How Should I Receive the Benefits from My Retirement Plan?
	Great Expectations
	On Becoming a Fearless Retirement Accumulator
	Excerpts from article-the effect of employment status on household's emergency funds;research and author by alicia rodriquez-flores mba,sharon a devaney ph.d.article appears in the journal of personal finance,volume 5,issue 4 2007;
	Where to Spend Your Retirement Years
	What You Need to Know About the Pension Protection Act of 2006
	Risks associated with planning for retirement.
	Getting more out of your retirement assets
	10 Things you might not have known about Social Security
	Providing a Structured Income Stream for Heirs without a Trust
	What a difference 1% makes.
	The answers to 46 frequently asked questions about retirement
	Why Traditional Retirement Planning Doesn't Work
	Financial planning-- helping you see the big picture
	What it Means to be a Baby Boomer
	Beneficiary
	Investment approach that has stood the test of time
	Staying Retired in a Hostile World
	Older Women Must Prepare Better for Retirement Years
	Excerpts from book titled'but what if i live? the american retirement crisis;authored by gregory salsbury,ph.d.;published by the national underwriter company,2006
	Pension spiral
	2008 tax favored savings plan limits summary
	The US retirement landscape (1)
	Retirement planning- all about iras
	Retirement planning- basics
	Retiring? Time for a Little New Math
	How Much Money Is Enough to Retire Now?
	Retirement Planning Mistakes
	Should I Contribute to My Roth IRA or Traditional IRA?
	7 Pitfalls on Your Way to Retirement
	Do You Need A Financial Planner
	Rule of 1492 � The Guide to a Long Retirement
	Which Retiremnet Plan Suits You?
	Roth IRA Conversions - Taking Advantage of Historically Low Tax Rates
	Retirement Saving Following a Recession
	Choosing the Right Plan
	The Roth 401(k) - Can it Benefit You?
	Are You Strangling the Goose That Lays the Golden Eggs?

College Planning

	Interpreting 529 Plan Expenses
	Never Give an Adult Child Your Credit Card
	College savings 529 plan- illinois
	Paying for College Without Breaking Your Retirement Nest Egg
	Paying for College Without Going Broke, Part 2
	College Funding Options
	The Road To College

Financial Strategy

	How Enhanced Index Investing Can be Used to Enhance Your Investment Portfolio
	Three Mistakes To Avoid
	The Perils of Owning Company Stock
	Stocks as an Inflation Hedge
	It�s BAAACK! Inflation Rears Its Ugly Head
	Checking Your Risk Tolerance
	10 Ways to increase your risk tolerance
	Coping with Financial Anxiety
	Dealing with Identify Theft
	Crash Course On College Savings Plans
	Protecting the Individual Investor - Don�t Let Wall Street Chisel Away at Your Future Wealth!! Their High Expenses and Conflicts of Interest Are More Costly than You May Know.
	Effective Estate Planning
	Financial Planning
	Trend Analysis
	Managing Concentrated Positions in Your Portfolio
	What is ffo in the context reits
	What does the falling dollar mean to you?
	Tax Planning-- Keep It Simple
	Today�s catch phrase: disaster preparedness
	Year end tax planning should start in the last quarter of the year
	Beneficiary-Controlled Trusts
	Investors Face Many Different Forms of Risk
	Invest In What You Know and Like
	Are You Ready for a Disaster?
	Income for Life
	2008 health savings accounts (hsa's) limits
	Cash Value Life Insurance - The Myth of Buying Young
	Life Insurance on Children?
	Investing for the Times of Your Life
	Trust your insurance
	Pay Off Mortgage or Invest?
	Life Insurance - Some Rules of Thumb
	Buy A Car Without Hassle
	Coupons-Check Your Grocery Shopping Style To Save
	First Steps to a Fresh Start After Divorce
	2009 Presents Challenges and Opportunities for Investors-January 2009
	Little Ways You Might Improve Your Financial Life
	Inheritances Can Be Tricky
	Brand Names, Bargain Prices
	Financial Planning for NEW PARENTS
	As Medical Expenses Rise, Don't Miss Key Deductions
	Preparing to be Single
	In-Service 401(k) Withdrawals & Income Planning
	Is It Time To Move Cash Into Equities?
	How to Donate Money Effectively
	It's Not About The Money : Unlock Your Money Type To Achieve Spiritual And Financial Abundance

Special Needs Planning

	Keeping Your Legacy Alive with Last Survivor Insurance
	Securing Health Insurance with Pre-existing Health Conditions
	60% of the Population will require Long Term Care
	A Risk Management Approach To Long-Term Care
	Grandparents Raising Grandchildren Have Special Planning Needs
	Avoid mistakes in buying long term care insurance
	Help! Protect Me From the Nursing Home Wolves
	Choosing Short-Term Long Term Care Insurance - Is It Right for You?
	Planning After a Divorce ... What's Next to Protect Your Family

Investment Services

	Minimizing Your Risk of Loss in Your Investments
	Risk and Reward Part I
	How Much International?
	An Easy 2%
	Growth vs. Value Investing - Part 1
	Fund Manager Of The Year
	Capital Asset Pricing Model
	The Nature of Risk and Concentrated Positions
	Fama-French Three Factor Model Part I
	Growth vs. Value Investing - Part 2
	Index Fund Investing
	MPT: The Watershed Event In Modern Finance
	Will Small And Value Premiums Persist?
	What is your investment mentality?
	Fama-French Three Factor Model - Part II
	Old Fashioned Annuities
	Understanding Value vs. Growth Investing
	What moves the market?
	What Are the Different Classes of Assets?
	Protecting Against Disaster
	The Mortgage of Magellan
	The Volatility Factor - Can less volatility and lower returns equal more money?
	Putting Risk in Its Place in Your Portfolio: Part 3
	Putting Risk in Its Place in Your Portfolio: Part 1
	A Bullet Proof Portfolio
	Invest Like the Pros
	Weathering the storm in volatile markets
	Investing Driving You Crazy? Maybe Its Because You Already Are! (Part 2)
	�real� versus �relative� return: does this really relate to you?
	Investing Driving You Crazy? Maybe Its Because You Already Are! (Part 1)
	Global Investing in Your Future?
	Share in the earnings company reports?
	Investment/financial planning terms/principles
	Investment term
	He said she said
	The two percent tax
	Covered calls a way to increase income and reduce risk?
	Exchange traded funds
	Market Timing - A Source of Negative Returns
	Index Investing Gets Smarter
	Royalty Income Trusts and the Temptation of High Yields
	Investment Income - Don't Be ShortSighted
	Risk, Return and Portfolio Efficiency
	Top 8 Reasons to Use ETFs in Your Portfolio
	Market Perception vs. Economic Reality
	New Opportunities
	How Fast The Markets Recover
	A simple Way to Invest and Manage Assets
	Automactic Rebalancing-What It Is, Why It Matters
	What Your Investment Policy Statement Means
	No Good Thing Lasts Forever � Except, Perhaps, Immediate Annuities
	Four Words You Shouldn't Believe
	Should You Invest in Art?

Money

IRA Retirement

	Changing Jobs: Smart Moves For Your Pension Plan I
	Changing Jobs: Smart Moves For Your Pension Plan Part III
	Changing Jobs: Smart Moves For Your Pension Plan IV
	Roth IRA- The �Liquid� Retirement Savings Account
	With IRAs read the fine print
	Roth 401(k): A new option for tax-free retirement income
	Trusting Your IRA
	The IRA LLC � More Investment Options and Asset Protection
	Is a roth ira conversion right for you?
	Real Estate Investing in an IRA
	Non Spousal Beneficiaries of IRA Accounts Have Advantageous New Rollover Options Beginning in 2007
	Ira stretch
	The different types of iras
	Tax-free withdrawals from ira cannot be used to pay grandchildren's college costs
	The Basics Of Stretch IRAs
	The How And Why of The IRA Rollover
	Dynasty IRAs
	An IRA Gift Can Reduce Your Taxes

Pension Plans

	Finding Your Lost Pension & 401(k) Funds
	Do You Know Where Your Pension Plans Is?
	OPERATION 401(K)

Tax & Law

	Offset passive losses
	Health Insurance, Your Co-Pays, Non-covered Expenses and Deductables are a Tax Related Item
	Invalid Tax on Long Distance Phone Calls Will Generate a $30 to $60 Refund for 2006 Tax Year
	Medical Mileage rate for 2007 Released by the IRS
	Cohabitating Couples Need to Establish Rights Now
	Donate to Do some Good with Unwanted Items
	Drive a Better Bargain: Get Bigger Deductions on Business Vehicles
	Moving Mileage rate for 2007 Released by the IRS
	Don't Forget to Deduct Long Term Care Premiums!
	2008 social security wage based changes
	2008 moving mileage rate released by the irs is lower
	2008 medical mileage rate drops to .19 a mile
	Municipal Bond Funds - Not Always Tax-Free
	One Day Can Make a Big Difference
	Mutual Fund Distributions...Don't Overpay Your Taxes
	ILITS REMAIN A POPULAR ESTATE PLANNING TOOL AND TECHNIQUE
	The Value Of Life Insurance Trusts
	Mortgage Points
	The Right Beneficiary
	It's 1099 Time
	New Year, New IRA Rules
	Tax Loss Harvesting
	Advanced Estate Planning
	Estate Planning vs Advanced Estate Planning

Financial Products

	Brilliant but Not Free!
	Cheating Investors For Fun and Profit
	What Makes A Good Mutual Fund?
	Zero Cupon Bonds
	No Break Points!
	Commodities as an Asset Class
	Less Than Meets the Eye: Equity Linked CDs
	Term Life Insurance Competitive Pricing Industry Wide Means Lower Premiums for Consumers
	Recent Universal Life Insurance Pricing Reductions Benefit Consumers
	Industry Wide Changes Mean You Need to Review Your In Force Variable Universal Life (VUL) Insurance Policies
	Take the Emotion Out of Investing
	The Long-Term Care impact on your retirement
	Falling Intrest Rates and Growing Needs: How to Avoid the Perils of "Orphanage"
	Impaired Risk Annuities for the Poor of Health
	The A,B,C's of Mutual Fund Share Classes
	The ABCs of Mutual Fund Fees
	Cash Value Life Insurance - A Different Kind of Dividend
	Beware the Equity Indexed Annuity

Global Economy

	Predicting The Long Term
	Derivatives � A Potential Financial Tsunami?
	Global Markets Then and Now: The Changing Role of the United States
	Why I am grateful gas is only $4-$5 a gallon
	How The Dollar Affects The Economy
	Recession Recoveries:2001
	December Monthly Economic Update
	Recessions, Depressions, Deflation, Inflation

Alternative Investments

	2007 Tax Favored Savings Plan Updated Limits Summary
	Reits going global
	Institutional Strategies for the Retail Investor
	Are alternative investments appropriate for your portfolio?
	Commodities demystified
	Make money with long/short funds
	Financial Advisor Cover - Clean Alternatives

How to Select Advisors

	The Consulting Scam
	Should You Use More Than One Financial Advisor?
	Ask Advisor About Fiduciary Ethics
	What is holistic Wealth Management ?
	How to Choose a Financial Advisor
	Fiduciary advisors
	Advisor compensation-facts & fiction
	Separating the Wheat from the Chaff
	16 Questions You Must Ask a Financial Advisor BEFORE you Hire Them

Investment Fraud

	Just Say No to Annuities!
	Personal Life Insurance Errors in Ownership- The Surprise Potential Personal Estate tax trigger of Group Life Insurance
	When You are Wrong
	Beware the Free-Lunch Seminar
	A Crisis of Confidence

Ethics for Financial Advisors

	Who Wants �Incidental� Financial Advice?
	Is Your Advisor Double-Dipping?

Small Business Owners

	Does the Business Owner need Disability Insurance?
	Taking a Second Glance At Your Company Retirement Plan
	Roth elective for your 401k
	Turn Unneeded Taxable Income into Huge Tax Deductions
	2008 standard mileage rate increased by two cents
	Small business retirement plans
	Business Owners and Their Problems
	Submitting Business Machinery And Equipment Lists-Shawnee County, Kansas

Charitable Trust

	Tax deductions and charity
	How will you define your legacy?
	Gifts that give back
	Be Charitable - but be Tax-Smart

Real Estate Investment

	What is a TIC?
	ID in 45 days no problem?
	Benefits of Demographic Investing
	More on Demographic Investing