Our Commentary

It happened to Target, now it’s happened to Home Depot.  Thieves have hacked into Home Depot’s computer system and stolen credit card and customer data from an estimated 60 million customers.  According to Home Depot spokesperson, the breach did not include on-line purchases but in-store purchases from April of this year through last week may […]

Reader Question:  My wife and I are elderly and have one daughter that we would like to help with the money we have been able to save.  It is likely that one or both of us could be in a nursing home within the next few years.  Our money consists of approximately $700,000 dollars plus […]

The good news is that the economy continues to show signs of improvement and recent research suggests that incomes are beginning to rise.  The bad news is that many workers continue to face financial strain and are seeking sources of money to solve pressing financial problems.  One source often discussed is the money held in […]

The good news is that the economy continues to show signs of improvement and recent research suggests that incomes are beginning to rise.  The bad news is that many workers continue to face financial strain and are seeking sources of money to solve pressing financial problems.  One source often discussed is the money held in […]

As we continue to work our way out of the Great Recession of 2008, more and more people are realizing that they need financial advice but are often unsure of where to turn for that advice.  Financial planning can be helpful for everyone, regardless of your income or your experience handling money.  Deciding on whom […]

I’m getting more and more questions from nervous investors asking if it’s time to take profits and sell stocks in favor of fixed income investments such as money markets, CDs or bonds. The stock market has had a nice run over the past few years and certainly seems overdue for a rest. Add to that […]

The economy is improving; people are feeling better about their finances; and as a result consumer debt is again on the rise.  One of the greatest inhibitors to creating financial success and financial freedom is too much debt.  Developing a plan to get out of debt is overwhelming for a lot of people so I’ve […]

We are long overdue for a reality-check related to retirement savings.  Research shows that the average savings for a 50-year-old is $43,797.  Imagine trying to retire on that amount of money!  As I speak with people, most know that they are under-saving for retirement but many don’t know where to start, how to invest their […]

It was a blue-sky Colorado day as my clients were driving to the airport after a week of snow skiing when they hit a patch of ice causing their car to veer into the oncoming lane.  Fortunately my clients and their children had buckled their seatbelts…unfortunately the two ladies in the oncoming car had not.  […]

Last week, I began a discussion about the top 10 tips for college students.  If you’d like to review that column, go to the Resource Center at www.welchgroup.com then click on ‘Stewart’s Column’.  Here are the remaining 5 tips: You’ll likely get bombarded with credit card offers in the mail.  Companies know that the students […]