The risk of a disabling illness or injury that prevents a worker from doing his or her job is more significant than most people realize. According to information compiled by the National Association of Insurance Commissioners (NAIC), a male U.S.
Most people looking to implement a financial plan are making decisions with the long term in mind. While what long term means tends to vary depending on factors like age, individual and family goals it’s safe to say most planners and their clients would agree that long term is usually measured in years, not months.
Asking “how” to buy life insurance presumes that you’ve moved beyond the “why” which is a big leap forward; however, it’s not quite as easy to answer.
If you don't work in the financial services industry, you probably don't see much of a difference between your accountant and your financial advisor. Both individuals have extensive financial training and work with people's money on a daily basis. However, assuming that the two are one in the same can lead you down an unstable path financially.
These are truly remarkable times in the mortgage industry. Mortgage rates are still at their lowest point in more than 50 years presenting homeowners with a once-in-a lifetime opportunity to lock in rates while they’re at or near the bottom. No one can say for certain whether rates can or will drop even further, but what is certain is that, at some point, they will go up.
At Indian River Financial Group, we are proud supporters of the community’s efforts to verse our youth in financial literacy and engage them in real world business practices. The Greater Boca Chamber of Commerce never falls short of doing just that and has a lot to be proud of as well as to look forward to.
There was a bit of curiosity at the end of 2014. The S&P500 Index achieved an academic 13.7% return. Investors with a properly diversified portfolio experienced returns of less than 5% Net of Expenses. So, what is the difference between the S&P500 and a properly diversified portfolio?
Donor Advised Funds (DAF) were first created in the 1930s. This type of fund is a vehicle for donors to give to charities and enjoy immediate tax benefits. Over time, the donor can recommend grants from the fund. In some ways, these funds operate like a charitable savings account.
It is not enough these days to put your money into a single retirement account and cross your fingers. Additionally, younger generations should avoid placing too much faith in Social Security. Economic markets today undergo drastic ups and downs over the course of months and years, resulting in setbacks for your retirement funds.
When it comes to saving for your future, there is a confusing alphabet soup of retirement-investment options that can leave even a savvy business professional scratching his/her head. From 401k to Roth IRAs, options abound for you investing opportunities.
Paul B. Miller, as a Certified Financial Planner (CFP®) and an Investment Advisor Representative (IAR) started Indian River Financial Group, Inc to act as a financial planner for clients from Boca Raton, Florida, as well as the surrounding communities, and to offer you services such as asset management, wealth management, investment planning and risk management.
© 2025 Paul B. Miller, CFP. All rights reserved.
