Latest ACP Blogs

ACP Member John Scherer featured on The Efficient Advisor Podcast

By #ACP ACP
ACP Certified Member John Scherer was featured on The Efficient Advisor Podcast in an episode titled 'How this advisor deepened his relationships and impacted clients', discussing an interesting value-add experience he offered to his clients: the Legacy Letter. The goal of the virtual event was to help his clients create a lasting legacy beyond finances for their children. John gives all the details of his letter-writing event and shares how this tool not only deepened family bonds for his clients, but also redefined the advisor-client relationship. https://open.spotify.com/ episode/6kQvRq0vcGFZUU7jCHq59p
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ACP Member Ken Robinson featured in GOBankingRates on where your money goes when stock prices drop

By #ACP ACP
ACP Certified Member Ken Robinson was quoted in GOBankingRates in an article titled 'When Stock Prices Drop, Where Does Your Money Go?'. Ken says that one way to think about how the stock market works is to imagine a stamp collector: They’re not really trading or holding money anymore, they’re holding an investment that may alter in value. https://www.gobankingrates. com/investing/stocks/when- stock-prices-drop-where-does- your-money-go/
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ACP Member Ken Robinson featured in MarketWatch on where to get smart financial advice

By #ACP ACP
ACP Certified Member Ken Robinson was quoted in MarketWatch in an article titled 'We are in our mid-50s earning $225,000 a year with $1.9 million in investments and life insurance. But now what?'. Ken assesses this couple's financial situation, provides insight on where to get smart financial advice, and shares how there are significant tax-savings opportunities from having the right kinds of investments in the right kinds of accounts. https://www.marketwatch.com/ amp/picks/we-are-in-our-mid- 50s-earning-225-000-a-year- with-1-9-million-in- investments-annuities-and- life-insurance-but-now-what- 974e7244
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ACP Member Keith Spencer quoted in U.S. News & World Report on if high-risk investments are worth it

By #ACP ACP
ACP Certified Member Keith Spencer was quoted in a U.S. News & World Report article titled 'Are High-Risk Investments Worth the Stretch?', discussing his firm's approach to working with clients that want to pursue high-risk investments, utilizing fun money or 'play money' as a small percentage of the overall portfolio. https://money.usnews.com/ financial-advisors/articles/ are-high-risk-investments- worth-the-stretch
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ACP Member Keith Spencer quoted in GOBankingRates on questions to ask a retirement planner

By #ACP ACP
ACP Certified Member Keith Spencer was quoted in GOBankingRates in an article titled '14 Questions To Ask a Retirement Planner at Your First Consultation': "You will want to work with an advisor who helps other people who are in, or are approaching, retirement like you." https://www.gobankingrates. com/retirement/planning/ questions-to-ask-retirement- planner-at-your-first- consultation/
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ACP Member Elizabeth Buffardi featured in CNBC on surprise sources of income that could cost you during tax season

By #ACP ACP
ACP Certified Member Elizabeth Buffardi was quoted in CNBC in an article titled 'These surprise sources of income could cost you during tax season', providing tips for income sources you should make sure to report in order to avoid tax penalties. https://www.cnbc.com/2024/02/ 28/these-surprise-sources-of- income-could-cost-you-during- tax-season.html
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ACP Member Susan Einberger featured in GOBankingRates on ways the upper middle class can use taxes to build wealth

By #ACP ACP
ACP Certified Member Susan Einberger was quoted in GOBankingRates in an article titled '8 Ways the Upper Middle Class Can Use Their Taxes To Get Rich in 2024', where she shares how taking advantage of the Child Tax Credit and a 529 Plan helps to build wealth and save for children's college expenses. https://www.gobankingrates. com/money/wealth/ways-upper- middle-class-use-their-taxes- to-get-rich/
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ACP Members Steve Martin and Susan Einberger featured in GOBankingRates on how trying to appear rich prevents you from getting rich

By #ACP ACP
ACP Certified Members Steve Martin and Susan Einberger were both featured in GOBankingRates in an article titled '4 Ways Trying To Appear Rich Stops Millennials From Getting Rich', where they explain how trying to appear wealthy actually prevents you from building wealth and offer tips on how millennials can build wealth for the long term. https://www.gobankingrates. com/money/wealth/trying-to- appear-rich-stops-millennials- from-getting-rich/
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ACP Mentioned in Los Angeles Times on Finding Fiduciary Advisors

By #ACP ACP
ACP was mentioned in Liz Weston's column in the Los Angeles Times, in a section titled 'Finding a fiduciary advisor'. ACP was mentioned alongside NAPFA, XYPN, and Garrett Planning Network as good organizations and resources to find planners who are fee only and adhere to the fiduciary standard https://www.latimes.com/ business/story/2024-03-10/how- to-reduce-the-tax-penalty- from-an-ira-distribution-goof
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ACP Members Rorik Larson and Susan Einberger featured in GOBankingRates on retirement tax surprises to prepare for

By #ACP ACP
ACP Certified Members Rorik Larson and Susan Einberger were both featured in GOBankingRates in an article titled 'Here Are 5 Retirement Tax Surprises You Must Prepare For', where they offer tips to prepare for hidden (or not-so-hidden) tax-related surprises that might be in store for retirees. https://www.gobankingrates. com/taxes/tax-laws/accountant- retirement-tax-surprises-you- must-prepare-for/
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ACP Member Zach Teutsch named a 2023 Rising Star in Financial Planning Magazine

By #ACP ACP
ACP Certified Member Zach Teutsch was named to Financial Planning Magazine's 2023 class of Rising Stars. The annual award celebrates young professionals and career changers who are advancing the profession through their accomplishments and contributions to the community of advisors and clients across the country. https://www.financial- planning.com/list/financial- plannings-2023-rising-stars- award-winners
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ACP Member Elizabeth Buffardi featured in NBC Chicago on student loan payments resuming

By #ACP ACP
ACP Certified Member Elizabeth Buffardi was featured in NBC Chicago in an article titled 'Student loan payments resume: Experts give tips, address most-asked questions'. Elizabeth offers smart money management tips as student loan repayments resume, like putting savings and payments on auto pay, cutting back on unnecessary spending, and more. https://www.nbcchicago.com/ news/local/student-loan- payments-resume-experts-give- tips-address-most-asked- questions/3240923/
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Fighting Recency Bias

By #ACP ACP
"Recency bias" is giving undue weight to the most recent information. In financial planning, it often stems from headlines reporting the most recent volatility in the market and, by implication, investment returns. Recency bias is one of over 50 different types of cognitive biases listed in Wikipedia , which are defined as "…systematic patterns of deviation from norm and/or rationality in judgment." Recent information appeals to our natural instincts, likely a leftover from when we lived in caves and needed to know what was going on near us to survive (avoiding saber tooth tigers, looking for food, etc.). Even today, we need these instincts ...
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ACP Member Michelle Morris featured in AARP on Strategies for a Low-Rate Home Loan

By #ACP ACP
ACP Certified Member Michelle Morris was featured in the January/February 2024 AARP Bulletin in an article titled 'You and your 3% Mortgage -- Strategies for a low-rate home loan in a high-rate world'. The article discusses whether you should pre-pay or pay off the mortgage vs. using that cash to invest, particularly in bonds: "Bond yields have come down from recent highs, but are still higher than they've been in years," says Michelle Morris, a financial planner with Brio Financial Planning in Quincy, Massachusetts. "Instead of prepaying a mortgage costing 3 percent, use the cash to buy a Treasury bond ladder paying more." https://www.aarp.org/benefits- ...
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ACP Conference Recap Featured in Best Stocks

By #ACP ACP
The 2023 ACP conference was recapped in a Best Stocks article on the significance of financial planning conferences, discussing the speakers and sponsors at the conference, the ACP podcast, and other highlights from ACP conferences. https://beststocks.com/ seizing-opportunities- financial-planning- conferences/
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ACP Conference Featured in Kitces.com List of Best Conferences for Advisors to Attend in 2024

By #ACP ACP
The ACP Annual Conference was featured in Michael Kitces' List Of "The Best Financial Advisor Conferences To Attend In 2024", listed in the section on "Going 'Home' To Your Advisor Community". The 2023 conference will take place November 7-10 in Spokane. https://www.kitces.com/blog/ 2024-best-financial-advisor- conferences-list-fpa-norcal- t3-futureproof-elevate-xypn/
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Marie Swift Conducts Video Interview with Sheila Padden for Citybiz

By #ACP ACP
ACP Member and current President Sheila Padden was interviewed by Marie Swift of Impact Communications for a special Q&A video published in Citybiz, where the two discuss Sheila's backstory, what to look for in a financial planner, what the "fiduciary standard" means, her advice for other financial planners or other professionals looking to get into the industry, her role as President of ACP, the upcoming ACP annual conference, and more. https://www.citybiz.co/ article/112159/marie-swift- interviews-sheila-padden- founder-padden-financial- planning-and-president- alliance-of-comprehensive- planners/
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ACP Mentioned in NAPFA Advisor Magazine Article About NAPFA's 40th Anniversary

By #ACP ACP
A handful of NAPFA’s longtime friends who appreciate the value that NAPFA adds to the world of financial planning shared their experiences working with NAPFA and NAPFA advisors in this Q&A article. Marie Swift of Impact Communications talks about her work with NAPFA and other fiduciary organizations over the years, including ACP. https://www.naylornetwork.com/ napf-nwl/articles/index.asp? aid=795992&issueID=94964
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ACP Member Zach Teutsch Quoted in Financial Planning Magazine on Impact Investment Private Equity Fund

By #ACP ACP
Certified ACP member Zach Teutsch was featured in this Financial Planning magazine article covering the first private equity fund launched by impact investment startup Uplifting Capital, which drew $18.5 million in client assets toward sustainable infrastructure and socially responsible businesses. Teutsch weighed in with insights on the potential for private impact investments. https://www.financial- planning.com/news/ria-clients- invest-18-5m-in-uplifting- capitals-first-fund?utm_ campaign=editorial-content& utm_medium=organic&utm_source= linkedin
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ACP Conference Featured in Kitces.com List of Industry Conferences

By #ACP ACP
The 2023 ACP Annual Conference, taking place November 7-10 in Spokane, was featured in Michael Kitces' Master List Of Financial Advisor Conferences For 2023-2024: "One of the premier events for fiduciary advisors dedicated to tax-focused, fee-only financial planning." https://www.kitces.com/master- list-top-financial-advisor- conferences-ranked-best/
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