Broker Check

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Want insight to the most frequent questions our clients ask us? Then you're in the right spot.

Guest bloggers from throughout our firm will cover a variety of topics, and pull inspiration from their clients, industry articles, new financial concepts, and being a consumer in this complex financial world we live in. 

Check back often!


 

Friday, December 14, 2018

December marks a milestone anniversary for Little Rock Financial Advisor Warren Woodham who celebrates his 20th year with Ashford Advisors. Over the past two decades, Mr. Woodham has enriched the lives of the people in his community...

 

Wednesday, December 5, 2018

For those who know me fairly well, you know that I'm a big Georgia Football fan. Now, there are a lot of people that can say they're a "big" Georgia Football fan, but to give you some background… I attended my first game when I...

 

Thursday, November 1, 2018

Ashford Advisors celebrates the one-year anniversary of its merger with the Jackson agency, formerly Allen Financial Group, on November 1, 2018. Throughout the past year, the Mississippi firm has continued to serve as a trusted...

 

Monday, October 29, 2018

Although life insurance should be an integral part of an entrepreneur’s planning, for a variety of reasons (be it the lack of time, knowledge, or trust in others to guide them) this decision is often put on the back burner. Did...

 

Monday, October 22, 2018

Ashford Advisors’ Memphis Investment Specialist, Paul H. Barlow, and Managing Partner, George H. Moore, ChFC®, CLU® have been recognized as 2018 Five Star Wealth Managers, a third year for George Moore. Five Star...

 

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Tuesday, October 16, 2018

On October 16, 2018, R. Bryant Moore, ChFC®, CLU® celebrates his 15th with Ashford Advisors. Mr. Moore lives to serve others and invests in the relationships he builds with clients and within his community. Bryant Moore joined...

 

Wednesday, October 10, 2018

Ashford Advisors representatives Peter E. Bourg, Elie E. Engler, ChFC®, CFP®, Michael J. Ghioto, CFP®, RICP®, Matthew G. Lipscomb, CLU®, ChFC®, and William R. Mumpower, CLU®, CFP®, RICP® have been...

 

Monday, October 1, 2018

The month of October marks a milestone anniversary for Lee Evans of the Ashford Advisors Vidalia office. Over the past decade, Mr. Evans has enriched the lives of the people in his community and focused on providing tools that lead...

 

Monday, October 1, 2018

October 1, 2018 marks a milestone anniversary for Memphis Financial Advisor, David Earhart. He has spent the last three decades committed to enhancing the lives of his clients and bettering his community. After spending just over a...

 

Wednesday, September 26, 2018

Almost everyone in America carries some sort of debt, yet not one single person enjoys doing so. If you had a choice to buy a car in cash or take on debt, everyone would use cash. So why do so many people have debt? Here is the...

 

Wednesday, September 19, 2018

Consumer debt is an anchor that weighs down the majority of the wallets across America. Taking on too much leverage will cripple any household or business. Just ask Long-Term Capital Management, a group of the smartest guys in finance...

 

Friday, September 14, 2018

When people think of building wealth and growing their money over time, everyone first focuses on the return of their initial investment. That is an important factor to consider, however, there is likely to be a risk associated with an...

 

Wednesday, September 12, 2018

There is a reason this is one of the most famous sayings in sports. It’s because it is true. Look at any major sports team, any world champion, any franchise with a history of winning, and I am sure a big reason why they got to...

 

Tuesday, September 11, 2018

Over the years, I’ve had lots of people ask me: Where are you putting your client's money? Or, what investments are you recommending?... What they're referring to is the investment product or vehicle I'm recommending. However,...

 

Wednesday, September 5, 2018

Ashford Mississippi, LLC’s General Agent, David B. Allen, CLU®, ChFC®, celebrates his 40th anniversary with The Guardian Life Insurance Company of America® in 2018. Mr. Allen joined Guardian on September 1, 1978,...

 

Friday, August 24, 2018

In a typical calendar year, I will interview between eighty and one hundred twenty candidates for positions at our firm. With that many interviews over the course of my career, I’ve picked up on some things that might benefit...

 

Sunday, August 19, 2018

Earlier this year, I visited Southern California for a trip that will have an impact on me forever. This excursion was set up by one of my business coaches, Joe Delisi, in our Memphis office. Joe’s personal coach is Eric Davis...

 

Thursday, August 16, 2018

Since the time we could spell “401k” and “IRA”, we’ve all been told that we should always, without question, contribute the maximum amount. While I will not use this blog to discuss whether that advice is...

 

Wednesday, August 15, 2018

I have a close friend who would probably define at least some version of his “success” as owning a bar on the beach. That’s you Mike P.! Let’s go with that for a second. I did a quick Google search and I found a...

 

Monday, August 13, 2018

Lisa M. Arnold, MBA, ChFC® of Ashford Advisors has been recognized as one of NAIFA (National Association of Insurance and Financial Advisors) Atlanta’s 2018 Top Female Advisors. Lisa is a third-year recipient of the Top...

 

Wednesday, August 8, 2018

Is it easy for you to save money? If so, you’re not saving enough. My mentor in this business has always told me that people don’t know how much they can save until they save too much. In Step 1, I asked you to define your...

 

Wednesday, August 1, 2018

Everyone wants to be on the road to financial success, yet so many people fall short of their definition of “success.” Why is that? In most cases, it is because there are so many ways to easily fall off track, and there is...

 

Friday, July 27, 2018

Occasionally, I share with my clients and recent adult-friends that I was a drum major for three years in high school. Yes, I waved my arms and did a split to signal the start to halftime. If you’d like to see the split, give me...

 

Thursday, July 26, 2018

In June, Ashford Advisors’ CEO, V. Thomas Purcell, CLU®, ChFC®, was recognized as a recipient of 2018’s Who’s Who of NAIFA-Atlanta. This list includes presidents, executive leadership, and agency and industry...

 

Wednesday, July 25, 2018

The start of the year often brings out optimism, hope, and expectations of what a great next 12 months could look like. New Year’s resolutions – getting out of debt, saving a certain amount, buying a house, traveling more,...

 

Monday, June 18, 2018

I have been shooting firearms for years. It is one of those things a boy from the south does, at least in my family. My great-grandfather was a hunter, my grandfather was a hunter, my father as a hunter, I am a hunter, and now I am...

 

Monday, May 14, 2018

Ashford Advisors is pleased to announce Howard C. Busbey, Sr. was inducted into Guardian’s Hall of Fame at the May Leaders Club Conference in Washington, D.C. Mr. Busbey entered the industry in 1952, was called to active duty...

 

Thursday, April 26, 2018

Because I view myself first and foremost as a financial coach to my clients rather than a financial planner, I, myself have several coaches I pay and engage with on a regular basis. The purpose is mainly to continue to learn about and...

 

Monday, April 2, 2018

As I sit in an airplane at 34,000 feet, I finally have some time to evaluate the progress of my goals for the first part of 2018. I’m on my way to see my business coach for the 2nd out of 4 in-person sessions during the year. The...

 

Wednesday, March 28, 2018

It’s almost here, my favorite sporting event of the year, The Masters. Growing up in Georgia, Augusta National seemed so close yet thousands of miles away all at the same time. I finally made my first trip to the event last year,...

 

Monday, March 26, 2018

Have you ever wondered what would happen if you were to get sued? It’s a terrible thought I know, but let’s consider just for a moment if you did. There’s really no such thing as “bulletproof” asset...

 

Friday, March 16, 2018

Seven financial representatives at Ashford Advisors have been recognized as NAIFA (National Association of Insurance and Financial Advisors) Atlanta’s 2018 Top Advisors Under 40. NAIFA Atlanta held its annual Top Advisor Luncheon...

 

Monday, March 5, 2018

Ashford Advisors has been named a top workplace by The Atlanta Journal-Constitution for 2018. The list is based solely on employee feedback gathered through a third-party survey administered by research partner Energage, LLC (formerly...

 

Monday, February 26, 2018

While on the one hand it is very difficult to become financially independent with paper or financial assets only, it is also very difficult to grow entrepreneurial assets substantially without the help of financial assets. This is not...

 

Thursday, February 8, 2018

For the last 10 or so years, I have attended numerous industry events and conferences across the country and consistently get feedback that Ashford Advisors has something very special. When other firms see us together, they can’t...

 

Tuesday, February 6, 2018

If you have invested in the market since March 6, 2009 chances are your account balances have gone up and that last quarterly statement from your investment or retirement account looked pretty good. As it should…this being the...

 

Thursday, February 1, 2018

Every new year starts with fresh anticipation. What is possible this year? Where will we travel? What will we learn and where will we be in one year? We also ask many of the same questions about our finances, including what is next for...

 

Monday, January 29, 2018

1. Save 20% If there is just one financial habit you can develop early in life, it would be to save at least 20% of every dollar you earn. In today's economic environment, we are finding that 10% - 15% savings rates are just not...

 

Tuesday, January 2, 2018

WHEN markets turn it can come as a complete surprise to even the most experienced person. We often don’t know when the market has officially turned while we are in the midst of it. It’s easy to look back in history and look...

 

Tuesday, December 5, 2017

Growing up, my family didn't have dozens of holiday and Christmas traditions, but we did have one that we took fairly seriously. If you asked any one of our family friends or extended family members if the Matthieson's had any...

 

Thursday, November 30, 2017

I think if we talked about and promoted what it actually takes to become financially independent (while I am not sure many more people would actually do what is required) a lot of financial publications and websites would probably go...

 

Monday, November 13, 2017

As I'm writing this, many of you are in the closing stages of open enrollment at your respective companies. You know the time of year well, usually you’ve procrastinated until the last minute where you're making elections with...

 

Monday, November 6, 2017

If you are young, it probably doesn’t mean too much. For me, it’s kind of like a mythical land so far off into the future that I have trouble wrapping my mind around it. For folks who are older, who are living it or will...

 

Wednesday, October 25, 2017

I am the family member that cleans out our cars and I'm lovingly criticized by my wife afterwards because she says she can never find her umbrella when I’m done. Seems like I have an uncanny ability to "hide" it just before the...

 

Monday, October 23, 2017

In 20 years of being “in front of the room” teaching, advising, speaking and coaching both personal clients as well as large organizations, I have found that there is a serious lacking in the skill of discipline. Everyone...

 

Monday, October 9, 2017

Odds are you will always stay ahead if you pay yourself first, consistently. The first dollars in to your pockets should stay in your pockets, and the rest, spend it how you please. In today’s world, it is very difficult to live...

 

Friday, October 6, 2017

If you have ever thought about selling your business and walking away with a big pay day, I urge you to consider what the financial ramifications on your lifestyle would be. *I will not address the specific tax consequences here; I am...

 

Monday, September 11, 2017

Growing up, I always heard people talk about contributing towards retirement. That is what everyone is always working towards – saving for retirement, so when they finally get there, they can finally enjoy the life they always...

 

Friday, September 1, 2017

Have you been told that because your business is inside of an S Corporation/C Corporation/LLC, etc. that you are "protected" from a lawsuit? The truth is, while there may be some protection, I'd suggest you are not as protected as you...

 

Wednesday, August 16, 2017

Before Google was “Google”, before Facebook was “Facebook”, before AutoZone was “AutoZone” and before WalMart was “Walmart”, those names meant literally nothing to any of us. Seriously,...

 

Wednesday, August 2, 2017

It’s no secret student loans are a huge part of many people’s lives. And if you have a graduate degree, it is probably an even bigger part of your life. But, on top of that, it is an even bigger part of the United States...

 

Tuesday, August 1, 2017

“You must learn from the mistakes of others. You can’t possibly live long enough to make them all yourself.” – Samuel Levenson In my 25 years of working with business owners and entrepreneurial minded...

 

Friday, July 28, 2017

Summer is in full swing and in my house, it's one of the busier times of the year. Every time I turn around we have a wedding to go to, an engagement party, baby shower, lake weekend, golf outing (I'm not complaining about golfing), or...

 

Monday, July 10, 2017

Everyone tells you to do it... Your friends, HR department, parents, conscience, CPA, super bowl ads...YOU NAME IT! Everywhere you turn, the Employer Sponsored Retirement Plan (a.k.a 401k, 403b, SEP IRA etc) is positioned as the...

 

Thursday, July 6, 2017

One thing the human animal is notoriously bad at is learning from our own history. I think this is because we are emotional creatures, not logical ones. If we were truly logical beings, then we could analyze a data set and then only...

 

Monday, June 26, 2017

“The two most important days of your life are the day you were born and the day you discover why you were born.” – Mark Twain Do you work for "just a paycheck" or do you work for something more, something more...

 

Monday, June 19, 2017

Funny title for a financial blog huh? As always, there is a backstory to it. My 7-year-old boy recently started training Jiu-Jitsu. For anyone unfamiliar with this practice, it involves a lot of grappling, take-downs and submission...

 

Tuesday, May 16, 2017

A couple weeks ago, I was with some friends of mine and they were asking about what they should be doing now to get started on a good financial track. I started thinking, but to provide them with the best possible answer, I also read a...

 

Wednesday, April 26, 2017

Everyone falls in love with an idea. The idea of being fit. The idea of having a loving and joy filled marriage. The idea of raising responsible and capitalistic children. The idea of having an abundant financial life. But only 10% of...

 

Friday, March 31, 2017

For most residents and fellows, their financial hope during training is to survive long enough to get a job and start making “real” money. What’s funny is that the $50,000 a year salary they make during residency is...

 

Monday, March 27, 2017

Masters Week is finally approaching. I got married on the Saturday evening of last year's tournament so this year will be tough to top last year. (Yes, compliance and my wife require me to say that....) So, this year although I (again)...

 

Thursday, March 23, 2017

Goal number 1, survive sleep deprivation. By now you have settled in to your first year of residency. Clinic, rounds, journal club, all of that takes up most of your time, and the other part is spent sleeping or out with some friends....

 

Wednesday, March 22, 2017

First off, congratulations on matching with a program. That is great! Over the next few months as you finish your final rotations, you will begin to look for places to live for your residency. So, what to do? Do you buy or rent? I...

 

Tuesday, March 21, 2017

Congratulations on receiving your M.D. (or D.O.)! You have entered the elite company of other M.D.’s across the country. Now I know what you are thinking, my M.D. is my doctorate in medicine; however as Lee Corso would say,...

 

Tuesday, March 21, 2017

We hear about “1 percenters” in the context of those who make a 1% tier income. I want to talk to you about a different group of 1% people. I’ve never watched The Matrix all the way through (fun fact: I played Keanu...

 

Friday, March 17, 2017

Time and time again I sit down with clients and sense their frustration with the way their Market Based Assets are performing and the rate at which they are building wealth. These Market Based Assets I am referring to could be inside...

 

Thursday, March 2, 2017

In January 2016 a friend of mine bought a used car. The pictures were beautiful and the auto report he purchased was perfect. Looks, however, can be deceiving. In the year he has owned the car he has replaced so many parts that the...

 

Friday, February 24, 2017

Over the last couple years, it has become more and more clear every day that our success, whether it’s with our health, faith, relationships, or work, is all tied to behavior. Not only is our success in these areas tied to...

 

Thursday, February 23, 2017

The year 2017 will bring a lot of change to the United States. New jobs, new opportunities, new markets, new goods, and a new “retirement savings vehicle” – the myRA. Obama wanted to help Americans save for retirement...

 

Monday, February 20, 2017

A few weeks ago a family member of mine was having problems with her cable provider. I recommended to her that she buy a streaming device which costs under $50. She could then pay monthly for streaming channels she likes and get rid of...

 

Wednesday, February 8, 2017

You might ask yourself, what is the difference between a selection process and a recruiting process? Where other firms hire six to eight people a month, Ashford Advisors hires six to eight people a year. This is intentional. Our...

 

Monday, January 30, 2017

Over the last few years, I have met with hundreds of individuals and families and there has been one common theme in helping each of them. Financial Organization. Not necessarily the paper aspect of it (tax returns, investment...

 

Wednesday, January 4, 2017

A new year is an exciting time for everyone. There are new possibilities for us all, both personally and professionally. A fresh start and clean slate. I've always been a big fan of thinking about goals, the future, and the "big...

 

Tuesday, December 13, 2016

Ask a group of people to raise their hand if they think they are a below average driver. Hardly anyone raises their hand when asked that question because most people think everyone ELSE has the problem. But by definition, half of the...

 

Thursday, December 8, 2016

My wife Melinda and I spent Thanksgiving with my in-laws in Athens, Ga. I've always loved this time of year because I feel like it’s the only time we can step away, forget about work, and remember the things that really matter...

 

Monday, December 5, 2016

I first heard that phrase in 1992. My high school baseball coach used it as a response to some question. I had no idea what he was talking about but it sounded pretty cool so I began using it too. I probably used it in some very...

 

Wednesday, November 9, 2016

Have you ever been to a networking event? Maybe it was a chamber of commerce, a rotary club or an alumni gathering. Did you feel like you were drowning in a sea of financial professionals? Advisors, Representatives, Brokers, Agents,...

 

Tuesday, November 8, 2016

I have written before about what I refer to as Lifestyle Addiction™. Simply put this is an addiction to a Lifestyle to the point that, just like any addiction, if you were forced to no longer have that lifestyle, you would...

 

Thursday, October 20, 2016

Grandparents want to provide their children and grandchildren with the best. They often do this by giving gifts while they are alive. Some grandparents are able to leave their grandchildren money after their death. Such grandparents...

 

Friday, October 14, 2016

Mike Bobo. Norm Chow. Don Coryell. Josh McDaniels. Bill Walsh. These names may sound familiar or you may have never heard of them before, but, in my opinion, they are some of the greatest offensive minds in NFL or college football....

 

Thursday, September 22, 2016

Have you asked this question? Be honest. It’s ok. You probably have. I think most people have asked this question and it only makes sense because you’ve been conditioned to ask it. First, no one knows what the market is...

 

Tuesday, September 20, 2016

The Choluteca Bridge in Honduras was built with such design strength that it could withstand the worst of hurricanes. When Hurricane Mitch came in 1998, it dumped 75 inches of rain in less than four days and destroyed 150 Honduran...

 

Wednesday, September 7, 2016

Investment allocations? Savings rates? Protection? Real Estate? Taxes? Debt? What is it??? What is the most important thing for your financial health? If you listen to the guy screaming at you on the radio you’d think it was the...

 

Wednesday, September 7, 2016

Since the beginning of man we have demonstrated our wealth and influence in a physical way. In medieval times people displayed their wealth by building elaborate castles. I don’t know how long it took folks back then to realize...

 

Wednesday, August 10, 2016

There is no end zone. There is no goal line. There is only today. I have often told people that they only get one “compound curve” (the financial geek’s way of saying you only live once!). A compound curve shows...

 

Wednesday, August 10, 2016

One of the worst financial tasks people have to conquer is creating a budget. And the financial industry has done everything in its power to screw it up even further for you! Software, talk show hosts, “envelope systems”,...

 

Thursday, July 14, 2016

I use this Facebook page to communicate to my financial clients and other advisors who I coach. Every time I sit down to write something I am thinking of things that will help both groups of people to grow and to learn. Usually I get...

 

Friday, July 1, 2016

How do you read that sentence? When I ask most people what that sentence says, 9 out of 10 people read it as “Opportunity is nowhere.” And that is true. But, if you shift how you look at something, it has an entirely...

 

Monday, June 13, 2016

Investments Part Three-Discount Poor Behavior In Other Areas of Your Life In this series we are looking at how to best achieve the financial failure you might desire. In Part One we looked at where to best go for input and information...

 

Monday, June 13, 2016

Investments Part 2-Confusing Needs and Wants and Your ability to Rationalize; the components of Lifestyle Addiction™. In part one of this series we discussed how you could make sure of failure in finance if you just spent a bunch...

 

Monday, June 13, 2016

Investments Part 1; Talk to people, read the paper, or surf the Internet. In the 2011 movie, “Moneyball” starring Brad Pitt, there is a scene where Pitt’s character is talking to his little girl who is really afraid...

 

Thursday, June 2, 2016

I got married on Masters Saturday this year, and the experience did nothing but exceed our expectations. I don't recall how many people told us to "enjoy the moment" and that "it flies by" but they hit the nail on the head. We couldn't...

 

Thursday, May 26, 2016

I read a blog post the other day about buying wine. It was geared towards a reader who knows nothing about wine…I qualify as the perfect reader for this blog. Here is what I know about wine: Red White Drunk I’m not much of...

 

Sunday, May 22, 2016

In my industry, we are taught to shy away from words like “best” as that term is subjective and may be impossible to prove. So, the attorneys in my company try and protect me from trouble by training me to never use terms...

 

Thursday, May 19, 2016

Women, Finance Everyone knows that men and women are different. We think and emote in very different ways. If you are married you KNOW this. I can make a totally innocent remark to Jayme (at least as far I know!) and before I can blink...

 

Monday, May 16, 2016

For the last 18 years I have built a business from the ground up. While I have had a few mentors who meant the world to me, no one handed me anything. I started off with 0 clients and no income at all. I was 100% on my own. The career...

 

Wednesday, March 30, 2016

With almost two decades in the financial services world I have vast experience in observing the human animal. I have counseled hundreds of families on what it takes to build a balance sheet but I also have coached literally thousands...

 

Thursday, March 24, 2016

I’m a University of Maryland alumnus. I spend all of March explaining to my wife and children what a Terrapin is (a vicious, warrior-turtle in case you didn’t know). March is the month where the college basketball universe...

 

Saturday, March 19, 2016

As we approach graduation season, thousands of college graduates will be turning the page in their book of life. No longer do they have the responsibility of ‘studying’ each and every night (of course), or deciding whether...

 

Monday, March 14, 2016

Investing If you are like me, your whole life people have told you what to do. First, it was your parents then maybe it was a teacher. Eventually you began to listen to your friends and then your boss at work (ugh). Some of us are even...

 

Saturday, February 27, 2016

I used to hate change. When I was a kid, I was the last one to take off my “Jams” shorts and my “Air Jordan” Hightop shoes. I walked around in those bad boys for waaay too long. I had the same hair style for my...

 

Wednesday, February 17, 2016

In 1983, I was in the third grade. That’s when I first realized that money was important. I can remember vividly that the concept of a million dollars meant you were really rich. $1,000,000 was such a magical number and it still...

 

Wednesday, February 10, 2016

Principles matter. Principles, rather than feelings, allow you to know what to do when life gets confusing. In the midst of chaos, you need to be able to fall back on your already, well thought out principles. When the U.S. Navy is...

 

Wednesday, February 3, 2016

I started in the financial advising business in 1998. Windows ’95 was still a baby and the internet had not yet made it’s mark (most people still called it “the information super highway”…not “the...

 

Wednesday, January 20, 2016

I am looking for a team player with strong analytic, mathematic and research skills. Your daily responsibilities are to attend to my every need at a casino blackjack table. Specifically I will need the applicant to be able to tell me...

 

Tuesday, January 5, 2016

I can sum up almost 20 years of experience in the world of personal finance in four words. In my business I travel a lot to speak at various functions. When I speak, it can be for anywhere from 2 hours to two days. No matter the venue...

 

Tuesday, October 20, 2015

Math is not an easy subject for everyone to grasp, but most people understand the concept of a basic mathematical formula. However, there are numerous problems in trying to use mathematics to plan your life, particularly when it comes...

 

Tuesday, September 15, 2015

If you are like many of the families I work with, your financial resources have been pulled in many different directions over your adult lives. Perhaps, you started families and began to get your footing in new careers while in your...

 

Friday, September 11, 2015

Here’s how to get a jump-start on creating a system to organize your bills, statements, policies, and other financial paperwork.

 

Tuesday, September 1, 2015

If you and I were to play golf together and we were standing at the first tee box, and you had to choose between the following, which would you choose: Play with your golf clubs, but have Rory McIlroy’s golf swing Play with your...

 

Tuesday, August 4, 2015

The Ten Commandments of Personal Finance to remind us to stay focused on habits that will lead to financial success.

 

Wednesday, July 29, 2015

It is very likely you haven't given much thought to how your checking and savings accounts are set up. But that could hinder your progress in achieving your overall financial goals.