Articles by Tom - PDF's

Bradenton Herald Columns

•    Portfolio Allocation from 30K feet

•    Winds of Change are Blowing in LTC Planning

•    Your Mid-Summer Check Up

•    Observant Get the Best Investment Leads

•    Why Invest Outside the U.S.?

•    Time to Buy Muni Bonds?

•    Giving Lasting Financial Gifts

•    A Good Defense is a Good Offense

•    Doing the Income Two-Step

•    Practice "Intelligent" Buy and Hold

•    Balancing Risk vs Return

•    Start a Plan to Hit Goals

Financial Planning

•    Low Cost Financial Gifts

•    It Can't Happen Here

•    Securing Your Future

•    Why Have A Financial Plan?

•    Who Can Benefit from Talking to a Planner?

•    Start a Plan to Hit Goals

•    2010 Health Care Reform Law Summary

•    Why Your Credit Score Matters

•    Recommended Books & Resources

Investments

•    ETFs

•    Thinking About Munis

•    Alternative Investments

•    Riding the Market Rollercoaster

Retirement Planning

•    IRA Conversions

•    The Second Half

•    Reduce Taxes in Retirement by Diversifying Now!

•    To Retire or Un-Retire?

•    Self Employed Retirement Plans

Insurance Planning

•    Life Insurance

•    Long Term Care Insurance

•    Should You Consider an HSA?

•    Preparing for Disability

Estate Planning

•    Losing Your Inheritance to Uncle Sam - Or Others

Education Planning

•    Who Pays for College?

•    Start Early to Make College More Affordable

•    Paying For College - 529 Plans

•    Paying For College - Coverdell Plans

•    Paying for College - UGMA &UTMA

•    Education Funding Comparison Chart

•    An Open Letter to Graduates

Tuesday January 24, 2012 10:30 to 11:30 - Investing for Income

Tom Roberts, CFP®, discusses how to obtain income and avoid financial sharks. Optimizing income from your investments is very different from building your next egg.  When withdrawing income, managing investment and market risk is critical. We will discuss how to identify and plan for these risks.

There are a number of investment strategies and "products" to help you deal with these risks. We will discuss the pros and cons of the most common products and how to make wise choices.