Late Bloomer Wealth

Late Bloomer Wealth

Dedicated to Helping K12 Teachers with their 403(b) & 457(b) plans.

Steve Schullo, PhD

PBS Frontline: “The Retirement Gamble” Three Los Angeles Educators were interviewed!

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PBS Frontline “The Retirement Gamble” On Tuesday evening, April 23, 2013, the PBS program Frontline aired “The Retirement Gamble,” which “raises troubling questions about how America’s financial institutions protect our savings, and asks whether there is a better way to manage our retirements.” The 403b?  While the broadcast was extremely critical of 401(k) plans, there …

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In her April 3, 2013 “The Color of Money” column Michelle Singletary salutes Financial Literacy Month.

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57% of Americans said a lack of savings worries them most. 43% of Americans said they are concerned about not having enough money for an emergency. Okay, those are the facts. Now, Singletary suggests you stop worrying and do something about it. Dan and Steve say it’s never too late! Get with it now! Here are some …

In her April 3, 2013 “The Color of Money” column Michelle Singletary salutes Financial Literacy Month. Read More »

Los Angeles Unified/United Teachers Los Angeles offer personal finance literacy all day workshops. Check details!

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 Hurry. These workshops are filling up fast! Send to: investwkshop@utla.net to register now! Dan and Steve will lead a breakout session to show you how to set up a plan using what is available on the 403b and 457b list of mutual funds. No sales pitches!

Not too late to save for retirement, yet the financial news says it is. What Gives?

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Workers Saving Too Little to Retire: http://online.wsj.com/article/SB10001424127887323639604578368823406398606.html?mod=WSJ_hpp_LEFTTopStories Commentary: This article is a typical news item that is getting rather boring and trite. Of course, we all know that many Americans don’t have enough for retirement. Yet, in this article they show a couple in their 40s who have $200,000 invested for retirement! Well, they still …

Not too late to save for retirement, yet the financial news says it is. What Gives? Read More »

Coachella Valley, CA Readers! Meet 42 Local Authors, Discuss Books and Purchase at a Discount.

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 Wednesday March 11, 2015, 3-6 PM The Expo is staged  in conjunction  with the Palm Springs  Writers Guild  and  is avenue for published Coachella Valley authors to showcase and sell their books. It is also an opportunity for library members and guests to network with local authors and  keep  up-to-date  on  all  the  fine  work  …

Coachella Valley, CA Readers! Meet 42 Local Authors, Discuss Books and Purchase at a Discount. Read More »

Dan and I were interviewed by Ron Delegge, radio show host, to be aired on Sunday Morning, March 24th.

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Ron Delegge, host of the “Index Investing Show” Podcast and Radio Show interviewed us about our book, Late Bloomer Millionaires, for his radio program to be broadcast Sunday Morning, March 24th through the following stations. Ron’s Radio Show “Index Investing Show” airs at the following cities and stations: Colorado Springs, CO. KWYD / AM 1580 / …

Dan and I were interviewed by Ron Delegge, radio show host, to be aired on Sunday Morning, March 24th. Read More »

Same-sex couples’ personal finance survey results. Surprising!

1 Comment / Consumer Finance, Gay Investors, Lesbian Investors, Personal Finance, Retirement Planning / By

Wells Fargo, a long time supporter of LGTB rights, announce the results of a financial survey. Here are two reports: http://money.cnn.com/2013/03/04/pf/gay-finances/ http://www.onwallstreet.com/news/Same-Sex-Couples-Unaware-of-Financial-Rights-Wells-Fargo-2683604-1.html Social Security and military retirement benefits not available to surviving same-sex spouses. DOMA (Defense of Marriage Act) has to be overturned by the supreme court. Good news about LGBT savings and investing! And word to financial advisers …

Same-sex couples’ personal finance survey results. Surprising! Read More »

Apple Stock Collapses, off 40% from its high. Read how a friend was suckered into buying this stock?

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My friend Ron Delegge (Indexing Investing Show) writes about the rise and fall of Apple stock in recent times and how Wall Street said it was going into the stratosphere, over “$1000 per share by the end of 2012.” It’s another example of never owning individual stocks for us regular investors–individual stock investing is speculation folks. Read …

Apple Stock Collapses, off 40% from its high. Read how a friend was suckered into buying this stock? Read More »

A Hypothetical Conversation with a Fee-Only Fiduciary Financial Adviser.

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Just this week, a discussion ensued when a member of the Social Media Marketing for Financial Professions (LinkedIn) asked: What does an ethical financial adviser look like? I am attempting to answer that question in this introductory post to Chapter 12 titled A Conversation with a Fee-Only Fiduciary Financial Adviser in our book, Late Bloomer Millionaires: A …

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Buying gold during this period of financial and political uncertainty to protect you from what happens in Washington is not going to work long-term

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The markets are at almost all time highs, the highest since 2007. There is a lot of chatter that we should “do something” especially now that some politicians are threatening the budget process. And that “do something” is to buy gold, commodities or some other alternative investments that thrive through severe financial crashes. Buying gold or …

Buying gold during this period of financial and political uncertainty to protect you from what happens in Washington is not going to work long-term Read More »

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