At Premier Financial Group, we understand that investors have many choices when it comes to selecting the right financial advisor for their needs. In recent years, the choices available to investors have increased with the advent of the so-called robo-advisors. 

To invest or speculate - that is the question.

Though the two terms may sound alike on the surface, they're actually two quite different things -- and, in our opinion, one should not be part of your strategic financial plan. 

Investing vs. Speculating: Viable Wealth Strategies?

The difference between speculation and strategic investing can be night and day.  The way Premier approaches portfolio management, investing is a long-term

IRAS: They're not just for adults anymore! While it's no secret that IRAs — individual retirement accounts — are a popular way to save money for retirement, many don't realize that these savings accounts can also be an effective investment tool for children and teens. As long as a child is earning income from a job, they can contribute to an IRA. 

There are two types of IRAs that investors can take advantage of for children. Read on to learn more about how to use IRAs to help young people start saving and investing. 

What is a 401(k) and, more importantly, why should you care? Since this type of investment account first arrived on the retirement planning scene almost four decades ago, it's grown into the most used employer-sponsored retirement plan in the country. More than 52 million Americans have 401(k) accounts, together holding $4.8 trillion in assets as of 2016, according to research from the Investment Company Institute.  

These flexible plans can make saving for retirement easier. Read on to learn what our 401(k) advisors think everyone should know about 401(k) plans. 

Our wealth advisors often answer questions about Social Security and how it fits into a comprehensive wealth management strategy, especially for those in higher tax brackets. Even if the bulk of your income comes from other sources in retirement, Social Security can help make your retirement more comfortable and help you grow assets to leave to your beneficiaries.  

While playing nine holes of golf with a friend the other day, the conversation turned to retirement and, specifically, what retirement looks like now as opposed to when our parents retired. Much has changed in the last generation or two; pensions have largely disappeared, the future of Social Security is a matter of debate and the costs of healthcare seem to just keep rising.

However, the news isn't all bad! Along with an increased life expectancy for most Americans, physical activity is on the rise

The other day, I was enjoying a game of golf with a friend who happens to be a long-time retirement plan advisor. As it often does, the conversation turned to retirement; specifically, where the key to a happy, comfortable retirement really lies.

My golf buddy's answer? It's probably not what you think.

My friend believes that the secret ingredient to a successful retirement lies in patience -- and the secret to patience lies in the ability to delay gratification, which, needless to say, isn't exactly a hard-wired human trait.