“Relax? How can anybody relax and play golf?  You have to grip the club, don’t you?” – Ben Hogan Social Security rules favor one-income households A beneficiary is entitled to the larger of their own benefit or one-half of their spouse’s benefit We often get asked by clients how to maximize Social Security benefits based… Read More


“I’m going to pass a law that no one can ask me my golf score” – Dwight D. Eisenhower The frenzy surrounding a US Presidential election cycle often causes investors’ concern about how their portfolios will fare under a Republican or Democratic administration.  Perceptions, including beliefs about which political party will be better for investors,… Read More


“It’s been a lot of fun to see some fruits of my hard labor”  – Tiger Woods In many ways, individual investors are often their own worst enemies.  Our goal at B P Financial is long-term wealth creation for our clients. Nothing drives me crazier than when people say things like, “The market isn’t for… Read More


About every seven years a consensus forms around the fastest growing sector of the stock market, or the fastest growing country, or the fastest growing industry.  Do you remember how excited everyone was about investing in China?  Over fifty major global companies have been relocating manufacturing outside of China the last two years and where… Read More


“A lot of guys who have never choked have never been in the position to do so.”  – Tom Watson In many ways, individual investors are often their own worst enemies.  But, can you blame them?  Many of the so-called experts are touting information that is often times a prediction that never comes to fruition.… Read More


“We’re not trying to humiliate the best players in the world. We’re simply trying to identify who they are.” – Sandy Tatum Retirement is full of risks and hurdles, as it can span 30 or 40 years for many Americans.  Certain risks are well known:  running out of money, long-term care, health care and investment… Read More