Robert Schmansky
Robert Schmansky is founder and personal financial advisor at Clear Financial Advisors, LLC (http://www.myclearadvice.com) in Bloomfield Hills, Michigan.
In addition to being a financial advisor, Rob has been an adjunct instructor of CERTIFIED FINANCIAL PLANNER(tm) courses.
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In addition to being a financial advisor, Rob has been an adjunct instructor of CERTIFIED FINANCIAL PLANNER(tm) courses.
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Walsh College, MA EconomicsMotto
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Displaying Results 1 - 34 (of 34) for All Content
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First Person: What Is the American Dream Now?With the economy still sputtering along, job opportunities still not what they once were for many, and the cost-of-living continuing to rise, many are questioning if the American Dream is still attainable, or if it’s slowly becoming part of American lore
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What My Degree Means to MeOne financial advisors experience with pursuing further education, and the direct and indirect benefits it has had on his life and career.
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First Person: Financial Planning Tips for Going Back to SchoolGoing back to school to broaden your skills is on the minds of many with good intentions for the new year. Just like getting back into shape doesn’t get easier as we age, it can be more of a challenge to successfully return to school later in life.
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Investment Opportunities for 2012 and BeyondA new year is a good time to look back at investment themes to find out what worked (and what didn’t work) over the last year. It’s good to consider not only the one year, but themes that worked over several time periods.
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First Person: Is an Online Degree Right for Me?As an alternative to traditional programs, the taboo behind online degrees has certainly lessened as consumers seek new ways to move past their current job limitations.
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First Person: Equity-Indexed Annuities Are Not Good InvestmentsYou will rarely hear the negative investment aspects of an equity-indexed annuity without digging into the details. These products can be damaging to your retirement income plan.
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First Person: Is Your Mutual Fund Manager Investing Intentionally?Actively managed mutual funds can add unintended risk to your portfolio.
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First Person: Is Social Security a Ponzi Scheme?Texas Governor Rick Perry's comments on Social Security have drawn a firestorm in the media over whether or not Social Security acts like a Ponzi scheme.Also published on:
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First Person: Passive Investing vs. Active InvestingTo begin to understand your investing choices it is important to determine if your philosophy involves passively investing in several markets, or actively managing where your investments are made.
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First Person: What Bonds Can Teach Us About the Stock MarketWhen bonds increase in price as we have seen lately, some bond holders or advisers claim they have made smart decisions. The reasons for bond price fluctuations though can teach us a lesson about why stock fluctuations shouldn't be reason to panic.
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First Person: Are Mutual Funds Good Investments?Many Wall Street and investment advisory marketing campaigns have tried to force an image of the mutual fund as ancient relic. Despite the noise, mutual funds continue to be one of the best investment vehicles for individuals.
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First Person: 5 Household Money Savers ... OnlineFive tips for how to save real money online.
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First Person: How Many Mutual Funds Is Enough?In building a portfolio investors need to determine how many funds they will purchase. The key is to be sure whatever the number that you are adequately diversified.
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First Person: Is This Mutual Fund Any Good?It can be overwhelming to attempt to determine what mutual funds you should invest in. Investors should start with these guidelines to narrow their choices.
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First Person: An Incomplete Retirement PlanMany financial plans ignore a strategy for taxes, which can be an area of significant opportunity, or unnecessary cost.Also published on:
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First Person: Technology Slashes Small-Business BillsBusiness owners can use many free services to replace high cost bills for phone and other technology.
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First Person: Every Financial Plan Can Use a Second OpinionRegular second opinions can help avoid crooks, taking too much risk, and major investment loss.
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IRS E-file and Free File InformationWith the start of the tax season, many will be looking for the best, and cheapest, way to file their returns for the 2010 tax year. For many, e-file, and Free File for those that file their returns themselves, may prove to be the best method.
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Late Tax Agreement Will Force Many Filers to WaitDue to the last minute passage of the tax extensions last week, tax filing for many individuals will be delayed this upcoming tax season.
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First Person: 3 Risks to Consider Prior to Investing in an AnnuityVariable annuities are finding new interest as boomers seek protection. Most are not weighing the costs or risks to their nest egg.
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How to Know If Your Rent is Too Damn HighCandidate for New York state governor Jimmy McMilan's of 'The Rent is Too Damn High' party last week raised an important question personal finance issue. So, just how much is too much to pay in rent?
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First Person from a Financial Advisor: Dealing with the Stalled Social Security IncreasesSocial Security recipients will face another year in 2011 without an increase. Here are a few tips for how to (and how not to) deal with rising expenses and a frozen income.
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First Person from a Financial Advisor: 9 Mistakes Investors Make When IndexingAs a believer in markets, I have no qualms with index investing. However, when meeting with clients, there are a number of ways I come across investors believing they are investing for market returns and end up losing.
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First Person from a Financial Advisor: 5 Questions to Ask Your BrokerDespite the incarceration of Madoff, personal financial fraud just doesn't seem to quit. Here are five questions you should ask a current or prospective broker in order to reduce the chance of being taken.
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First Person Perspective from a CERTIFIED FINANCIAL PLANNER(TM): Prepare Financially Now for the Next RecessionWith the ending of the recession, many are wondering what they could have done to prepare. Here are a few ways to get ready for the next downturn based on concerns I've heard from client conversations over the past year.
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First Person Perspective from a Financial Advisor: Preparing Clients for UnemploymentMany clients and prospects that I speak to today are not altogether upset with the idea of becoming unemployed. And I might go as far as to say they would even welcome it... if offered. But not all are prepared to go.
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Variable Annuity Updates Are Not Always an UpgradeInsurers and advisors often sell the benefits of swapping your annuity contract for a newer model. Contract holders may inadvertently be swapping for a product not in their favor.
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Giving Away the Keys to RetirementVariable annuities and other insurance products used by financial advisors for retirement income strategies are not easy to leave should you discover concerns with the insurer.
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Person-to-Person Lending as an InvestmentThe rates on direct, person-to-person (P2P) lending are attractive; unfortunately the risk is not.
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My Broker is Leaving - What Should I Do ?Industry consolidation and frustrated brokers have left many families wondering if they should move their accounts to their broker's new firm.
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How Students Can Cope with Student Loans After GraduationWith student loan default rising, here are some strategies to ease the burden of college debt
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First Rule for Investors: Don't PanicInvestors need inner calm when deciding course of action with their investment advisor
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Schwab Mutual Funds Brings Institutional Class Investing to the MassesSchwab Funds last week lowered their investment fees and minimums to make institutional style pricing available to ordinary investors.
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Is Insecurity at the Hartford Next for Investors in Variable Annuity Benefits?Variable annuity benefits promise 'guarantees' to retirees. But recent happenings suggest those guarantees may be more at risk than previously thought.