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Northstar Financial Planners

The Problem with Income Investing
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I’ve written many times on these pages about the conventional wisdom of creating a retirement portfolio designed to generate income, through interest and dividends.  I find this strategy, while thoroughly…

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Discipline – The Final Principle
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A 54-year-old couple finally gets their last child out of college, has their mortgage paid off and begins the final run to retirement, about a dozen years down the road.…

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The Risk of Being Conservative
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Conventional wisdom used to hold that the common “do-it-yourself” investor tends to invest too aggressively, and take on unnecessary risk, usually through lack of diversification or overinvesting in complicated, illiquid…

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MasterChef of Investing
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In the popular TV program MasterChef, contestants face a series of cooking challenges. From low quality ingredients to inadequate preparation and poor implementation, so many things can, and do, go…

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Just a Little Patience
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We are not a patient species. It’s as if basic human nature, coded deep into our DNA, tells us that when something unexpected happens we must react. We must do…

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Happy Anniversary, Apocalypse!
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Coming up on March 9, we observe the sixth anniversary of the day The Apocalypse ended. It wasn’t a very fun Apocalypse. Most of them aren’t, I guess. But to…

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The Place For Yield
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Among the many common investing maxims is this one: “Buy bonds for income.” It seems like common sense. Stocks may or may not pay dividends. The company issuing the stock…

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You Gotta Have Faith
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2015 marks my 24th year professionally advising wonderful people on their path to acquiring and retaining financial independence. I’ve met hundreds (if not thousands… I’ve never really thought about it…

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2014: Patience Pays Off
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Forecasters often cite a figure of 8%–10% as a likely outcome for stock market performance in the year ahead, and 2014 was no exception. As sensible as this may sound,…

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The Perils of Picking Stock Pickers
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Stephen Gandel has been a busy man. The senior writer for Time Magazine published a long, glowing article in Fortune on the success of Warren Buffett’s hand-picked successors last October.1…

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