READ OUR QUOTES IN PRINT
"It takes a village of options to pay college tuition"
REUTERS, April 7, 2016. ..."it just becomes a line item in the budget,"...
"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."
"4 Year-End Tax Strategies That Work"
SIGFIG BLOG, November 4, 2015. "If you are in a low tax bracket, you should consider tax-gain harvesting."
"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."
"NAPFA compensation committee member says AUM fees for cash raise conflicts"
INVESTMENT NEWS, January 29, 2015. “If I think it's appropriate for a client to hold cash or fixed income, I don't want them to question my judgment. Clients are certainly free to question my recommendations, but I don't want them questioning my motives.”
"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.”
''Securing Guaranteed Retirement Income''
SMARTMONEY: August 13, 2010."Annuities’ drawbacks include a lack of inflation protection and a lack of flexibility if a retiree’s circumstances change dramatically due to illness or another major upheaval."
''Dodging Risk Early Is No Sure Thing''
SMARTMONEY, August 6, 2010. "Focusing on basic advice about overall asset allocation principles will be more helpful than trying to stay up to date on the latest “hot” investment strategy."
'When to Rebalance Your 401(k) Investments''
SMARTMONEY, July 23, 2010. "Using big market movements as a signal to rebalance comes with some risk. There is a tendency to try to time the market – selling out of equities when things get too scary and moving into them as market upswings reach their peak,"
''Repaying Social Security Can Be a Good Deal''
SMARTMONEY, July 16, 2010. "When it comes to Social Security benefits, there is such a thing as a do-over."
''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."
FINANCIAL PLANNING magazine, December 01, 2008 "John Scherer, founder of Trinity Financial Planning in Middleton, Wis., a member of the Alliance of Cambridge Advisors, typically allocates 10% of a client's equities to this asset class..."
''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.
''Protecting your Money: Financial Survival''
WKOW 27 NEWS Madison, WI, October 2, 2008: John Scherer was interviewed by Dan Cassuto regarding the current stock market decline.
''Loans Scarcer for Low Credit Scores; Tougher Standards May Result in Big Down Payment.''
MILWAUKEE JOURNAL SENTINEL, March 2008. - John Scherer offers some realistic advice to those interested in purchasing a home in 2008. This article is now featured in Custom Home Online.
''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.
''Multicap Funds Offer Best of All Worlds''
SMARTMONEY, SEPTEMBER 2007 - John Scherer points out some of the shortfalls of multicap mutual funds in SmartMoney magazine's online Fund Screen column.
''Fighting For The Little Guy''
MADISON CAPITAL TIMES, JUNE 2007 - A profile of Bert Whitehead's book "Why Smart People Do Stupid Things With Money" includes quotes from John Scherer about fee-only financial planning.
''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.
''Don't Let Housing Haunt Your Retirement''
BUSINESSWEEK.COM, SEPTEMBER 2006 - John is quoted regarding the wisdom of not paying off a fixed mortgage early, even in retirement. Retirees need protection against inflation, and a fixed mortgage provides excellent protection against inflation.
''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.
''What to do Amid Uneasy Economy''
MILWAUKEE JOURNAL SENTINEL, JUNE 2006 - With interest rates rising and the stock markets tumbling, should individuals lighten up on bonds, change investments in the stock market, or even change their long-term financial goals? John helps address these investing concerns.
''Portfolio Doctor - When You Need a Slight Course Correction''
KIPLINGER'S PERSONAL FINANCE, FEBRUARY 2005 - Are you on track to achieve your goals despite employment setbacks? Does it make sense to refinance your home? John helps a Kiplinger reader address these issues in reference to the feeling of uneasiness that can come with significant life changes.
BANKRATE.COM, JULY 2004 - The importance of life insurance and different options for obtaining a solid policy are recommend in this article. John address the option of professional organizations.
''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.