David's Personal Finance Roundup - July 2016
David’s Personal Finance Roundup – July 2016

When I launched The Astute Advisor personal finance site, I was excited to reach a much broader audience. But I’ve always believed that the blog shouldn’t be my voice alone. I’m convinced my readers will benefit by hearing from other financial professionals too. Here are some articles that are worth a read.


Robo-Advisors Are Doomed – How Passive Investing Might Harm Them, or Not

Robo-Advisors have been getting a lot of attention recently. While their growth in assets and venture capital investment is impressive, their benefit to retail investors beyond low fees continues to be hotly debated. Barbara A. Friedberg, MBA, MS of Robo-Advisor Pros and Barbara Friedberg Personal Finance takes a different angle. In this article, Barbara discusses the relationship between passive index investing and what effect it could have on the burgeoning robo-advisor industry. Be sure to check out her robo-advisor comparison chart too!

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How Lapsing A Life Insurance Policy With A Loan Can Cause A Tax Bomb

Life insurance at its basic level is easy to understand. You pay a premium each month and if you pass away your beneficiaries receive the death benefit. The reality is that with all the bells and whistles available on some policies, taxation of life insurance can be quite complicated and problematic. Michael Kitces is a Certified Financial Planner™ and publisher of Kitces.com where he writes about personal finance and matters specific to the advisor industry. In this article, Michael addresses the potential tax consequences of lapsing or surrendering a life insurance policy with an outstanding loan.


After Brexit, What’s An Investor To Do?

The Brexit vote in Great Britain dominated the news leading up to and after the vote. There is no doubt that the vote was and is a big deal. However, what should an investor do (or not do) in light of such a major event? Rick Kahler is a Certified Financial Planner™ and President of Kahler Financial GroupIn this article, Rick puts this event into perspective and provides an excellent reminder of what long term investors should (and should not) pay attention to.

You Know You Should Have A Will, But Why?

Let’s face it. There are certain things we know we should do but for a variety of reasons, we don’t. We should eat better, exercise, and save more for retirement, just to name a few. And, most everyone knows you should have a will. Tim Maurer is a Certified Financial Planner™ writing and speaking on all things personal finance. In this article, Tim does an excellent job breaking down the why and the how of establishing a will and identifies some pitfalls to avoid.

Should I Do a Debt Consolidation Loan?

Most all of us will experience having debt at some point in our financial lives. But, not all debt is created equal. If you’re getting over extended, you’ll need to develop a plan to tackle your debt. Jeff Rose is a Certified Financial Planner™ and blogs about personal finance at Good Financial CentsIn this article, Jeff explains how a debt consolidation loan works and whether it might be a good solution depending on your situation.

I hope you enjoy the reading! While you’re on these sites, be sure and check out their other articles.

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