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Russell Bailyn

About Russell
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Russell Bailyn
October 15, 2009
Investing

Interesting Mutual Fund Alternatives

Russell Bailyn
October 15, 2009
Investing

When people refer to mutual funds they are most often referring to ‘open-end’ mutual funds in which investors buy and sell shares on a regular basis. Most mutual funds have active managers who, with their teams, make decisions as to the fund holdings which correspond to the fund’s stated objectives.

Russell Bailyn
October 12, 2009
Investing

On Leveraged ETFs: Investors & Advisors

Russell Bailyn
October 12, 2009
Investing

The craze of exchange-traded funds (ETFs) which employ leverage (the use of borrowed capital to increase the potential return of an investment) has been on a tear over the past year.* It makes sense that speculative investors would toy around with such vehicles given the extreme market volatility we’ve been experiencing of late.

Russell Bailyn
October 7, 2009
Annuities

Is a Variable Annuity Right for You?

Russell Bailyn
October 7, 2009
Annuities

Welcome to one of the most misunderstood financial products out there. It’s no surprise how little most investors know about variable annuities because they’re extremely complicated and their explanations often come from insurance brokers and financial advisors who often don’t adequately explain their potential benefits and drawbacks.

Russell Bailyn
September 30, 2009
Investing

State of the Exchange-Traded Fund (ETF) Market

Russell Bailyn
September 30, 2009
Investing

Many of my clients and readers understand my general preference for exchange-traded funds (ETFs) over mutual funds.* It isn’t that I doubt the ability of any active mutual fund managers to outperform their benchmarks—plenty of them do.

Russell Bailyn
September 11, 2009
Financial Planning

Going Independent? Is it Better to be an RIA or IAR?

Russell Bailyn
September 11, 2009
Financial Planning

There was a great article in last month’s Financial Advisor magazine which compares RIAs and IARs. To anybody reading this article not in the financial services industry those anagrams probably mean almost nothing.

Russell Bailyn
August 28, 2009
Financial Planning

Understanding your Financial Professional

Russell Bailyn
August 28, 2009
Financial Planning

2009 marks the 40th anniversary of the financial planning profession. It was back in 1969 when pioneers such as Loren Dunton voiced their desire to differentiate between financial salesmen and genuine financial planners.

Russell Bailyn
August 19, 2009
Financial Planning

Don’t Run out of Money during Retirement. It’s a Nightmare.

Russell Bailyn
August 19, 2009
Financial Planning

“45% of retirees aged 55-75 have either not calculated how long their assets are anticipated to last during their retirement years or they have never given the issue any thought at all” (Financial Advisor Magazine: June, 2009).

Russell Bailyn
July 29, 2009
Financial Planning

Do Financial Advisors Utilize the Same Strategies which they Recommend to Clients?

Russell Bailyn
July 29, 2009
Financial Planning

Have you ever pondered the question… does my financial advisor practice what he/she preaches? Do they utilize the same investment products and strategies which they suggest to everyone else? Do they follow the same asset allocation guidelines which they are recommending to others?

Russell Bailyn
July 23, 2009
Monthly Newsletters

Enough is Enough with Social Networks

Russell Bailyn
July 23, 2009
Monthly Newsletters

What is it about Twitter that people think their businesses can flourish based upon it? As a long-time blogger with solid experience marketing myself online, I just don’t get the whole Twitter-for-business model.

Russell Bailyn
July 17, 2009
Insurance

Should high net-worth individuals purchase long-term care insurance?

Russell Bailyn
July 17, 2009
Insurance

In the past long-term care insurance has been purchased primarily by middle and upper-middle class people. The wealthy tend to ‘self-fund’ their long-term care needs with extra assets which would otherwise be included in their estates.

Russell Bailyn
June 29, 2009
Estate Planning

Estate Planning: When do I need a Will?

Russell Bailyn
June 29, 2009
Estate Planning

Often I notice clients focusing heavily on the investment aspect of financial planning without giving adequate consideration to estate planning. It tends to be clients under 35 and those who are unmarried who often don’t think they need estate planning.

Russell Bailyn
June 3, 2009
Financial Planning

Should you consider taking Social Security early?

Russell Bailyn
June 3, 2009
Financial Planning

My clients frequently ask ‘when is the right time’ to start taking Social Security. The most correct answer which is given by both advisors and the Social Security Administration is that you should turn on this income stream when you reach your Full Retirement Age (FRA).

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