I Snapped at my Wife Over Bank Failures

Paul FennerBusiness & Economics

bank failures

Not one of my finest moments when I argue with my wife first thing in the morning.  Similar to fighting with my kids, it does not make for a good start to the day. What makes this “discussion” more interesting is that she asked me about the recent bank failures after watching a segment on Good Morning America.  Sometimes it … Read More

Wealth Planning is For Everyone

Paul FennerPersonal Finance

wealth planning

Have you ever felt like wealth planning is something only “other people” should do? The best wealth management plan has nothing to do with “outside forces” beyond your control, but rather everything to do with what’s most important to you.  Instead of feeling overwhelmed by the supposed complexity surrounding financial decisions, a straightforward wealth management plan can bring clarity and … Read More

Estate Planning; Details That You Need to Know to Protect Your Family & Assets

Paul FennerEstate Planning

Estate Planning

Estate planning is one of the most critical aspects of the wealth planning process.  It is often an overlooked and disliked topic because it involves death and many subsequent emotional decisions.  However, estate planning is essential for protecting your family and having your story told. Estate planning is; Key Documents That Make Up an Estate Plan I prefer to look … Read More

The Stock Market is Not the Economy

Paul FennerBusiness & Economics

bank failures

John Rekenthaler, who is Vice President of Research for Morningstar, wrote a piece recently, The Stock Market Is Not the Economy.  In his article, Rekenthaler noted that stock prices are only tenuously connected to general economic conditions. Rekenthaler went on to say, “For one, stocks anticipate future developments rather than dwell on current affairs. For another, neither employment statistics nor … Read More

Eight Tactics That Can Help You to Prepare for a Recession

Paul FennerPersonal Finance

Recession 3 - recession - Eight Tactics That Can Help You to Prepare for a Recession | TAMMA Capital

At one point during my corporate career, I was unexpectedly transitioned out of my current role.  At the time, my four kids were five or younger, and I had no idea what I would do.  At that point in my life, I, unfortunately, allowed my career to define a large part of who I was. The economy doesn’t have to … Read More

Understanding Risk; Four Ways to Help Your Wealth Management Plan

Paul FennerPersonal Finance

Risk, Tamma Capital, stock market volatility

There are typically three risk profiles that investors are assigned to within the financial services industry, which are conservative, moderate, and aggressive.  These categories are usually defined by an investor; These components help to make up what is called your investment risk profile.  However, your risk profile may be very different from your risk perception.  While your risk profile may … Read More

Three Factors That Affect Your Social Security Decision

Paul FennerRetirement Planning

Social security - social security - Three Factors That Affect Your Social Security Decision | Tamma Capital

I am often asked the critical question of should I take my social security benefits early or wait until full retirement age or beyond?  Issuing a blanket response or answer to that question can lead people down the wrong path, especially on this subject.  While many people would benefit the most by waiting until they reach their full retirement age … Read More

Four Ways to Protect Yourself from Ponzi Schemes

Paul FennerPersonal Finance

Handshake selling scaled - ponzi schemes - Four Ways to Protect Yourself from Ponzi Schemes | Tamma Capital

I had a friend text me this story about Kevin Garnett, a high-profile athlete or entertainer who has come out on the wrong end of some horrible financial advice (see here and here).  Within the text, my friend asked, “How does this happen to people?” My response, as long as there are people with money (large or small), there will … Read More