facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast blog search brokercheck brokercheck



"Want to buy more than $10,000 in nearly risk-free I bonds? Here are a few strategies"

cnbc.com - May 14, 2022 - “There are several entities that are allowed to buy I bonds,” said John Scherer, a CFP and founder of Trinity Financial Planning in Madison, Wisconsin, including LLCs, corporations and sole proprietorships.

"Here are some strategies to pay off credit card debt before interest rates rise again"

cnbc.com - May 13, 2022 - If you are going to pay off your debt while keeping your cards open, there are generally two methods that people use to wipe away a balance, according to John Scherer, a certified financial planner and founder of Trinity Financial Planning in Madison, Wisconsin.

"Here's where financial advisors say I bonds may work in your portfolio

cnbc.com - May 3, 2022 - “Buy some [I bonds] in the short run while they’re paying higher rates, and if it ever changes, you can always take them out,” Scherer said. “After the first year, you have complete flexibility.”

"7 financial planners explain how to invest your money during high inflation"

Yahoo.com - Fortune, January 14, 2022.  "“Companies are best positioned to adjust to inflation...” . Investing in company stocks makes sense then because most of the time, they can pass along the cost increases to consumers and keep their profit margins intact and their share prices up. “...So investing in businesses, diversified by using stock mutual funds, is a great inflation hedge'”.

"6 meaningful ways to give money to grandchildren"

BOLLYINSIDE - The Daily News, November 11, 2021.  “This is a safe investment that’s backed by the U.S. government, with a guaranteed rate and an inflation component. If used for college, the gains can be tax-free.” (reference to Series I savings bonds)

"Planning for retirement?  You should also plan for inflation."

MARKET WATCH, July 15, 2021. "“With inflation, the price of food, cloth and fuel all go higher, while the cost of housing (not including taxes and insurance of course) stay fixed.”

"Trump wants even lower interest rates: What that would mean for your retirement savings"

MARKET WATCH, September 15, 2019. “Worst case, it provides guaranteed cash flows in the exact years planned.” 

"How to keep your 401(k) running smoothly - no matter what"

MARKET WATCH, September 13, 2019 “Choosing one of these investment options means that their 401(k) account will systematically sell high and buy low, and makes it a truly set-it-and-forget-it system that is actually effective.”

"How to Know When It's OK to Spend"

NERDWALLET, March 25, 2019. “One specific thing we suggest people do is to invest in memories, meaning do things like take your kids and grandkids on vacations that will be meaningful for you and they will remember all their lives.”

"The Most Important Thing You Need to Do Before You Retire, According to Financial Advisors"

MONEY, February 2019.  “If you have money sitting in an account that’s FDIC or government backed, you know it’s going to be there”

"What you need to do if you want to put off retirement like Warren Buffett"

CNBC, January 18, 2018.  "That's great until it doesn't work anymore."

"Reap the Rewards of a Roth IRA"

KIPLINGERS PERSONAL FINANCE, December 2015.  "Because you aren’t working full-time and have reduced income, you can convert a significant amount of money from your IRA at a low tax rate."

"Protect Your Nest Egg: Rebalance Your 401(k) to Avoid Risk"
USA TODAY, August 6, 2015. “Rebalancing consistently to a planned allocation is the single biggest thing people can do to avoid getting burned by a market drop,'' Scherer says. "Following a disciplined rebalancing plan means consistently selling high and buying low, and while it means you never make a killing, you also never get killed."

"Should You Invest Your Retirement Savings in an Immediate Annuity?"
KIPLINGER'S PERSONAL FINANCE magazine, June 2015. "One strategy is to add up regular expenses, such as utilities and property taxes, subtract Social Security and other guaranteed sources of income, and buy an immediate annuity to fill the gap. Keep the rest of your savings in an investment portfolio that you can tap when you need the money for other, less-predictable costs, says John Scherer, a certified financial planner in Middleton, Wis."

"Does my teen really have to file taxes?"
CREDIT.COM, March 26, 2015.  "And even if W-2s weren't issued (as for babysitting), it's smart to keep -- or to begin to keep -- a record of earned income, Scherer said. Where the record of earnings can come in handy is with establishing a Roth IRA."

"5 Moves to Make Before January"
THE WALL STREET JOURNAL: MARKET WATCH, December 13, 2013.  That’s not to say you should buy a Maserati just for the sake of doing so. “But if you’re going to do it anyway, you’re going to save a little bit in 2013.”

''VOICES: John Scherer, On Blogging''
WALL STREET JOURNAL, June 8, 2010. John Scherer, principal and founder of Trinity Financial Planning in Middleton, Wisc., blogs about financial planning at http://trinfin.blogspot.com/. He spoke with WSJ Financial Adviser about the value of client communication.

''House Call: To Buy or Not to Buy''
SMARTMONEY, March 22, 2010. "There are fewer than 40 days remaining until the federal home buyer tax credit expires. And home builders and realtors aren’t letting consumers forget it."

''Pain on Every Street''
NBC 15 NEWS Madison, WI, October 6, 2008: John Scherer was interviewed by Chris Papst regarding the current stock market decline. John reassures viewers to not make any rash decisions and to have a financial plan.

''Working hard to get ahead: Planning for the future isn't just about money.''
CHICAGO TRIBUNE; Your Money, December 2007 - This article features sound advice from John Scherer about planning for you future and making the right decisions.

''Time Horizon is Key for Asset Allocation''
CHICAGO TRIBUNE, FEBRUARY 2007 - John helps to analyze a reader's investment allocation as they look toward retirement in 'The Journey' feature of the February 18 Tribune.

''Even Reluctant Landlords Can Reap Tax Breaks''
CHICAGO TRIBUNE, FEBRUARY 2007 - In the February 11 Sunday business section, John talks about the importance of keeping good records when owning rental real estate.

''Retirement Savings: Five Tips to Catch Up''
BUSINESSWEEK.COM, JANUARY 2007 - Along with fellow Alliance of Cambridge Advisors Chip Simon and Ed Fulbright, John advises readers on how to make up for lost time in retirement planning.

''Pensions can be safe, even at bankrupt firms''
CHICAGO TRIBUNE, SEPTEMBER 2006 - This article addresses questions and concerns of pension plans. John discussed little-known facts regarding the access and mobility of your money within an established pension plan.

''Raiding a 401(k) to pay mortgage isn't wise move''
CHICAGO TRIBUNE, SEPTEMBER 2006 - Addressing a reader's concern with home mortgage payment, John points out the inflation-defense benefits of fixed mortage payments and recommends saving the 401k for retirement.

''Taking Chance on Dream Can Beat Waiting for Pension''
CHICAGO TRIBUNE, AUGUST 2006 - What should I do with my 401K money? Invest it in bonds? Stocks? John gives advice on this pressing pre-retirement concern.

''10 Things Your Estate Planner Won't Tell You''
SMARTMONEY, APRIL 2001 - Did you know that estate attorneys can make more money in selling you life insurance than actually planning your estate? This fact is addressed by John and warning signs are given to avoid outrageous commission charges.