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The Welch Group
Stewart Welch, CFP

Welch Group founder and managing partner Stewart Welch III, AEP, CFP® and other firm partners provide a weekly financial column for via The Birmingham News. All of the columns are archived here for your reading pleasure. Mr. Welch has co-authored numerous books and regularly appears on various TV and radio shows including FOX 6 (Birmingham, AL), CNN (NY), Fox News Network (NY), CNBC (NJ), and is often quoted in national press including The Wall Street Journal, Fortune, Money and

If you have a financial question to be answered in the weekly column, fill out this form. Consult your own professional legal, tax or financial advisor before acting upon this advice.

Buy Bonds Now or Wait?

Interest rates are clearly on the rise.  The Federal Reserve lead by Alan Greenspan has been raising short-term interest rates.  Many investors continue to have their bond money parked in money market accounts hoping to wait and invest when interest rates peak.  But will it really pay to wait? There is a good calculator you […]

How do you Spell STUPID?

According to the New Webster’s Dictionary, the definition of stupid is: Stupid: “Someone who is age 59 ½ or older, and who is eligible but not contributing to their 401(k) plan where the employer offers a matching contribution.”  Well, this isn’t actually what Webster’s says, but it could be one definition.  Most employer 401(k) plans […]

Tips for Selling Your Home

  Last week, I discussed the most effective way to find and work with a top realtor when selling your home.  An experienced realtor really can make selling your home easier and help you get your highest price.  Today, I’m focusing on some simple and inexpensive things you can do to help your home show […]

Realtors – How to Work with the Best

  If you are considering selling your home, one of the most important decisions you will make is which realtor to list your home. A good realtor is worth his or her weight in gold because of their experience, sales ability, and contacts with prospects and other agents.  The following checklist will give you the […]

Inflation Proof Your Portfolio – Part II

  Last week, I discussed how to inflation-proof the fixed income portion of your investment portfolio. If you missed this column, go to; then go to ‘Stewart’s Weekly Column’ under the “In the News’ heading. This week I want to continue this discussion on inflation-proofing your portfolio by focusing on the equity side of […]

Inflation Proofing Your Portfolio – Part I Fixed Income

  Looking into the crystal ball of the next twelve to thirty-six months, many prognosticators are suggesting that inflation will rear its ugly head after more than a decade of hibernation.  In fact, early indications are that inflation is beginning to heat up.  The February 7 issue of Forbes Magazine states that the core consumer […]

Selling Your Home? Be Careful!

  Low mortgage interest rates over the past several years have spurred home sales nationwide to record levels.  The second dynamic is rising home prices.  Owning your own home has been one of the best investments over the past five years.  Most people selling their home today are realizing large profits.  If you sell your […]

Social Security Privatization-Boon or Bust?

  One of President Bush’s most significant initiatives for his remaining administration is to create private investment accounts for a portion of your Social Security contributions (withholdings).   The immediate problem with this concept is that the money workers would divert to these private accounts is currently being used to pay current Social Security retirees.  In […]

Plan for Success in 2005

  With 2004 behind us, most people are taking a breather as they decide how to handle the holiday bills that are just now arriving in the mail.  While it’s easy not to plan ahead for this year, planning now can produce some big benefits.  Here’s what you should consider:   ·        Change your retirement […]

How Rising Interest Rates will affect Your Pocketbook

  By summer of last year interest rates had fallen to 45-year lows, sparking one of the greatest booms in real estate in recent history.  In June of 2004, the Federal Reserve, led by Chairman Alan Greenspan, reversed this trend by raising interest rates for the first time in several years.  Since then, the Federal […]