During October, Schwab eliminated commissions on most equity and ETF (exchange-traded funds), and also announced plans to offer fraction share ownership in the near future. In this communication, I walk through the changes and the benefits as we see them.

Variable annuities have over the years earned a well deserved bad rap. As the title implies, I have, ahem, never really been a fan. However, positive changes are trickling in that could make them more practical going forward. In this communication, we explore how they have worked and were sold, and positive changes that are happening in the industry.

“Take these antibiotics and, oh, try doing nothing for a while.”

After seeing my physician for a nagging "gut ache," this was the prescription to the diagnosis of my body being locked in a funky fight-or-flight mode caused by my near obsession with the business side of life. The bad news was that I was now somehow going to need to figure out how in the world to do nothing.