About Shan Zubair

As a financial advisor, Shan works closely with his clients to help define and commit to their retirement and investment objectives. Shan is a Certified Financial Planner™ and Chartered Mutual Fund Counselor (CMFC®).

Retirement Planning – 2015 Annual Limits

The year 2015 has arrived and with it, new annual limits on retirement plan contributions, phase-outs, and exclusions. Retirement Plan Contributions How much are you saving in your 401(k) plan? If you maxed out your contributions last year or plan to max them out this year, you should consider talking to your 401(k) plan provider […]

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Hedge Funds and “Exclusive” Investing

What if you were invited to be part of a coveted and exclusive investment group? Would you accept the invitation? In most situations, you probably would and it could possibly be a wise move.  But, in the world of investing and hedge funds, it would likely not be a choice consistent with your goals and […]

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Evaluating “Expert” Predictions

Investing based on predictions is like gambling; if you do it enough, the odds are that you will lose money.  Active market participation, based on media reports or financial gurus, has been shown to have results inferior to steady investment based on your individual goals and risk profile.  If you take a moment to think […]

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Company Retirement Plan Matchup: 401(k)s vs. Pensions

Would you rather have a pension or a 401(k)? Most people are worried about the reduction in the number of employers offering pensions. It can be comforting to have a “guaranteed” amount of income each month that continues for the rest of their life rather than a 401(k), whose value is uncertain, and can drop […]

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How Accurate Is Wall Street Research?

Deciding when to sell an individual stock can be challenging; some rely on technical indicators, some on gut feelings, while others consult Wall Street analyst ratings.  However, all of these methods are fraught with pitfalls.  One of the mains problems with investing in individual stocks based on published research is the reliability and integrity of […]

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The Truth Behind Variable Annuities: Knowing What You Are Guaranteed

In an increasingly complex world of investment offerings and financial products, it can often be difficult to determine what is or is not a good deal.  For example, suppose someone told you that they could offer you an investment which could do the following: Avoid stock market volatility Earn a guaranteed return of between 5 […]

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Recognizing Your Fiduciary Responsibility as a 401K Plan Sponsor

Are you an employer who is currently offering a retirement plan to your employees, or are you thinking about offering a plan in the future?  As a sponsor of a company retirement plan, you have a fiduciary responsibility to the plan participants that is often overlooked or misunderstood.  When it comes to methods to provide […]

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