Halloween is coming up and there are scarier things out there than the IRS. Cyber security is a major issue plaguing real estate and misfortune can end up with you getting sucked dry and wanting your mummy. Hackers are getting smarter and it’s becoming more difficult to recognize who is your friend and who is wearing a mask. Other spooky tales include:

• Family values and the family business

• Estate planning nightmares

• Controlling your digital afterlife

Strategic bond funds can have up to 15% exposure into stocks; so not only have bonds rallied, but now you may be exposed to stocks in your bond fund that are over bought due to investors chasing yield. Be aware of what you are holding, it might be time to change things up and take some gains. Other topics include:

• Health and fitness –your next big retirement issue

• End of year gifting strategies

• Mega Backdoor Roth IRA’s and 401k's

The end of the year is coming up faster than we know it and Q3 earnings are starting to be reported. Even though many of the reported companies have beat on profits and revenue, but we are still not expecting growth. What’s going on with these numbers? Other topics include:

• Home sales & interest rates

• Is owning real estate in your IRA a good idea?

• Prohibited transactions

• Rebalancing issues

There are many types of investors out there and right now conservative investors are experiencing tough times. Could creating your own pension could be the best solution for those that crave certainty in a market that is fluctuating? Other topics include:

• Pros and cons of longevity contracts

• Finding sources of income you can’t outlive

• Cell phone and online security

Earnings kick off this week and the market is expecting numbers to be flat or slightly negative due to comparables. While the numbers are less than desirable to investors, what is important is whether or not CEO’s will the cite trade war for causing issues. Other topics include:

• What to do in today’s low rate environment

• An urgency to take advantage of tax cuts

• Should entrepreneurs fund a SEP IRA if they qualify for 20% business deduction?

• Fixing Social Security

• DIY pensions

Planning for retirement is goes beyond making sure you have enough money that’ll last. So much of retirement is finally making that decision to quit working no matter how daunting that next phase of life can be. Today it’s all about preparing for every aspect of retirement. Topics include:

• Financial readiness tests and myths

• Retirement fears and anxiety

• Dealing with health limitations

• Adult child dependency

• Cash flow planning

• Medicare and HSA plans

October 1st is the start date for college students looking for financial aid and students who apply early are more likely to receive more money than their friends who stall. While parents are always willing to do anything to help their children succeed, after age 18 you are unable to act on their behalf on financial transactions and healthcare decisions. Is your child set up with a POA and a healthcare directive? Also:

• Does infinite banking work?

• Cash value life insurance policies

• HSA account

Manufacturing reports showed the weakest numbers in 10 years. In fact numbers lower than expected due to trade issues slowing things down and presented the worst rating since June 2009. A manufacturing slowdown alone is not enough to put us into a recession; strong consumer sentiment is what we need to keep the economy going strong. Other topics include:

• What is Bond duration?

• Why even own bonds at these low rates?

• Hidden costs of owning rental properties

As Q3 comes to an end it’s mindboggling to think of all the crazy headlines we have heard in these few short months. Separate your investing moves from the fear-based media stories vying for your attention. These headlines only matter in the short term and gut-decisions lead to mistakes. Don’t let the media scare you into making a mistake! Also:

• Q3 review

• Why own bonds in a low rate environment?

• Two cases for being a global investor

• Portfolio tweaks

• Should the repurchase market be the biggest headlines?

• Fixing Craig’s backdoor Roth IRA conversion

• 401k, Roth IRA, Megaroth 401k, Backdoor Roth, SEP-IRA–Which one do you fund?

• Is velocity banking worth the effort

• What to do when you’re struggling to pay down debt

• Funding retirement when your employer doesn’t match your 401k

• Factoring pensions into your retirement plan

• Reassessing your rental property