Guided Wealth Management Blog

Investing Mistake: Failing to Set Goals

By Jonathan Swanburg May 31 , 2017

Goals are an important part of developing a long term financial plan. However, when it comes to investing, a broad desire to have as much money as possible is not enough. In order to develop a..

Investing Mistake: Too Much Focus on Risk Aversion

By Jonathan Swanburg May 30 , 2017

As a group, millennials fear stocks. They witnessed the market collapse in 2008 and believe something even bigger and more devastating could be just around the corner. This anxiety is one of the..

Investing Mistake: The Problem with Too Much Emergency Cash

By Jonathan Swanburg May 29 , 2017

Too much cash often seems like a good problem to have.  However, for young professionals looking to maximize future savings, allowing excess cash to build up without being consistently invested..

Investing Mistake: Buying Lottery Stocks

By Jonathan Swanburg May 26 , 2017

Lottery stocks are investments that have huge potential payouts over short time horizons. However, lottery stocks, like lottery tickets most often turn out to be losers. This article focuses on..

Risks of Taking Out 401(k) Loans

By Jonathan Swanburg May 8 , 2017

Taking a loan from your 401(k) at work can seem like a great idea. You get access to cash, there is no credit check, and you pay yourself back with interest. Unfortunately, there are several risks..

Why Bondholders Should Manage Duration Risk

By Jonathan Swanburg May 1 , 2017

Bonds and bond funds are often perceived as being safe investments and buyers typically incorporate them into a portfolio hoping to generate consistent income without the volatility of the stock..

Automating Your Financial Plan

By Jonathan Swanburg Apr 24 , 2017

Most net-savers tend to have similar financial habits.  A person in this group typically spends less than she makes, lets money accumulate in a checking account, and then wonders what she should..

Health Savings Accounts for Retirement

By Jonathan Swanburg Apr 18 , 2017

Most working age professionals that maintain a Health Savings Account (“HSA”) fund it on an annual basis and use the account to pay for immediate healthcare costs as they arise. However, for tax..

Am I Too Young to Start Saving for Retirement?

By Jonathan Swanburg Mar 12 , 2017

Steve, 25-years old, calls me at the office and asks what he should do with his money.  He recently graduated from business school with student loans, a car payment, some credit card debt and a..