COVID-19 Update

Alliant Wealth Advisors is an "essential business" under Virginia state law and we remain fully operational during the COVID-19 crisis.

To keep our clients, staff and colleagues safe we are currently holding all meetings via video conferencing. And we are alternating a small number of staff in our office while the majority serve you from their home.

Speaking of our office. Our headquarters in Prince William will relocate to the Signal Hill Professional Center at 9161 Liberia Avenue, Suite 100, Manassas, VA 20110 effective Monday, April 20, 2020.

Whether we are virtual or in person, we are here for you. Please keep safe.

Best Regards,

John Frisch, CPA/PFS, CFP®, AIF®, PPC®


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Family Wealth

Saving for College...Essential Ideas as published in InsideNova.com


It’s a given that every parent wants their children to start with a college education. But, golly, college is expensive. According to the College Board, all-in costs for the 2016–2017 academic year is approaching $25,000 at a four-year in-state public college, and $50,000 at a four-year private institution.1  

Clearly, there’s no time to waste in saving for your kids’ high-cost higher education. If I get one thing across, that’s it. But I don’t blame you if you’re wondering where to even begin. Don’t despair! Let’s roll up our sleeves and get practical. 

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When to Claim Social Security...It's a Weighty Decision

When should you begin claiming your Social Security Income (SSI)? Clearly, the decision is a big part of retirement planning. Too bad it’s not also an easy part. Then again, be careful what you wish for! While “one size fits all” would be easier for you, that doesn’t necessarily mean it would be better.

Granted, some situations are super easy. If you turn 62 and you need the money to put food on the table, take it at age 62.

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A Five-Step Action Plan for Retirement Planning as published in InsideNova.com

As I pointed out in my last piece, most of us tend to spend more time planning for a one-week vacation than for our entire retirement. This, despite the ongoing analyses informing us that most American workers are falling short on their retirement savings.

Why is that? For one, it’s hard to know how much you should be saving. Plus, a part of you may not want to know. What if you don’t like the answer? So, you put off planning for another day. Then another. Until … you approach retirement with no plan at all.

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Retirement Planning, Near and Far as published in InsideNova.com

Question #1: How near or far are you from achieving your retirement savings goals?
Question #2: Where are you going on your next vacation?

If you’re like many Americans, you’ve probably spent more time planning the date, destination, travel arrangements and costs for your next brief getaway than charting out your retirement saving plans.

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It's Never as Bad as You Think (when you think it's bad) as published in InsideNova.com

In my 30+ years in the financial industry, I’ve spoken with countless investors who, countless times over, were convinced that the stock market was about to crash. Every so often, they’ve been correct, at least temporarily.

But I’ve also noticed that the markets have always eventually recovered and continued their long-term ascent. For example, in the early days of Jimmy Carter’s presidency, the S&P 500 Index was at about 100. Today, after 40 years, continuous global unrest, hyperinflation, banking crises, 9/11, Bernie Madoff and many other upsets come and gone … it’s hovering around 2,400.

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The Science of Successful Investing - as published in InsideNova.com

In my last article, I stated that to be a successful investor you need a combination of science and behavioral determination. Today let’s discuss the science side of investing. This involves building a portfolio that offers the best odds for achieving your financial goals with the lowest possible risk. How do we do this? It’s tempting to dive right into picking “winning” holdings. In reality, that’s the last, least vital step:

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The Profile of a Successful Investor - as published in InsideNova.com

In two recent articles, I explained how attempting to predict the near-term future is not investing. It’s speculating. So then, what is investing? Successful investing requires a combination of science and determination. The science is the easier part, so let’s first explore your best investment behavior.

The fact is, we’re often our own worst investment enemy, because we’re inherently hardwired to be bad at it. Numerous studies suggest that most investors’ portfolios ultimately underperform the investments they hold by around 1–3%.

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Better Investor Protections Have Finally Arrived (But Will They Last?)

You may have heard that today, June 9th, the long-awaited Department of Labor’s (DOL) “Fiduciary Rule” goes into effect. Do you care? As an investor, you should. It’s probably the biggest thing to happen to brokerage industry regulations since the Securities Exchange Act of 1934.

Now, when your broker advises your employers’ company retirement plan or advises you on your IRA, they must put your interests ahead of their own.

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Experts Cannot Predict Market Moods - as published in InsideNova.com

What “the Experts” Can’t Know About Investing
In my last column, I discussed the difference between speculating in the market’s short-term moves, versus patiently participating in it as a long-term investor. But what about those “expert” opinions from those who seem to know more about the market than you do? Can you depend on their predictions instead of your own?

Before we explore the question in the context of investing, consider last fall’s presidential election. Throughout the process – and even the day before the election – the political experts were largely wrong.

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