Author Archives: Brian Loy

About Brian Loy

Brian Loy writes insightful and inspiring articles about the ever-changing world of personal finance and the global trends that affect the risk and return on investments and shape the financial- and retirement-planning process.

Planning Under the Clouds of Dementia and Reducing Financial Elder Abuse

“It’s not the men in your life that matters, it’s the life in your men.” Mae West had a way with words and exuded a playfulness in life. The legendary actress and playwright delighted audiences and horrified guardians of morals … Continue reading

Posted in Personal Financial Planning, Planning Tips and Goals | Comments Off on Planning Under the Clouds of Dementia and Reducing Financial Elder Abuse

6 Things a Graduate Should Do

Congratulations graduates. It’s exciting as you’re about to embark on new journeys and blaze individual paths into the world.  Yet maybe it’s a time of uncertainty. What are you going to do with your life, where are doing it, and … Continue reading

Posted in College Preparation | Comments Off on 6 Things a Graduate Should Do

Widows and Widowers and Getting the Right Social Security Benefits

Are the majority of widows and widowers making the wrong decisions regarding Social Security survivor and retirement benefits? Or are they getting limited information regarding the benefit options available?  The Office of Inspector General suggests that thousands of widows and … Continue reading

Posted in Social Security | Comments Off on Widows and Widowers and Getting the Right Social Security Benefits

Reasons People Get Off Track Financially

Staying on track is challenging. Investors face too many choices – including the lure of “almost too good to be true” solutions – that make mapping their financial plan confusing. And distractions pop up – crisis du jour – that … Continue reading

Posted in Planning Tips and Goals | Comments Off on Reasons People Get Off Track Financially

Crossing the Rubicon

The triumphant Julius Caesar stood on the northern banks of the Gaul River with his army. He agonized over his next move. Caesar had expanded the borders of the Republic into modern France, Spain and Britain in a decade long … Continue reading

Posted in Planning Tips and Goals, Taxes | Comments Off on Crossing the Rubicon

Tax Reform and Impacts to Business Owners

March Madness can be unpredictable, just like life. And Americans like to root for the underdog. Many Cinderella teams have captured our hearts since the first NCAA tournament in 1939. North Carolina State was a 6 seed that won it … Continue reading

Posted in Taxes | Comments Off on Tax Reform and Impacts to Business Owners

Tariffs, Inflation and Tax Time

Life isn’t easy, simple or smooth. March is Women’s History Month which recognizes great contributions women have made to our country. Elizabeth Blackwell was the first women to graduate from medical school in 1849 and is recognized as our first … Continue reading

Posted in Taxes | Comments Off on Tariffs, Inflation and Tax Time

Alternative Thoughts on Education Funding

The world changed with the discovery of a hidden stairway in Egypt’s Valley of the Kings in 1922. Tomb raiders plundered the pharaohs’ tombs for centuries. And extensive excavations by archaeologists in the late 1800’s uncovered what they thought were … Continue reading

Posted in College Preparation | Comments Off on Alternative Thoughts on Education Funding

Roth IRA Conversions Might be a Smart Move for 2018

The world’s best winter Olympic athletes meet in PyeongChang. Alpine skiers Vonn, Shiffrin, Ligety, Nyman and their teammates have a job which is basically to get from the starting gate to the finish line with a few obstacles to navigate … Continue reading

Posted in Retirement Planning | Comments Off on Roth IRA Conversions Might be a Smart Move for 2018

The Silk Road and Planning for Federal Employees

Beasts carried and merchants traded silk, porcelain, gold, spice and gunpowder along a 4,000 mile corridor between China and Greece for almost 2,000 years. It was called the Silk Road, and started about 200 BC when wealthy Romans sought soft … Continue reading

Posted in Economy and Markets | Comments Off on The Silk Road and Planning for Federal Employees