Francoise Crandell

Recent Posts

Financial Advisors Share Portfolio Design Tips

By Francoise Crandell | October 29, 2017

Why is asset allocation so important to investors? A propery allocated portfolio means that your money is spread across a range of investments. But not just any combination of assets will do; rather, a truly diversified portfolio includes assets from across multiple classes, all carefully chosen to reduce exposure to risk through low correlation. 

In other words, a well-allocated portfolio achieves the right combination of risk and return for your needs. 

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Family Wealth Management and Your Children

By Francoise Crandell | September 29, 2017

Clients often ask our family wealth advisors exactly how involved their children should be in the financial planning process. It's easy to understand the question, as involving your child in financial decisions is an ideal way to teach them valuable lessons that will help them later in life.

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6 Things You Don't Want to Hear From Your Financial Advisor

By Francoise Crandell | September 11, 2017

The relationship with your investment professional, in our opinion, must be based on trust and should include clear boundaries and guidelines that both you and your advisor understand and follow. 

Sometimes choosing the right advisor can be difficult.  If a potential advisor makes - or even implies - any of the following statements, you may want to consider them a red flag and it might be wise to keep on looking.

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Buying Mutual Funds? Consider Asset Management Solutions First

By Francoise Crandell | September 06, 2017

Investors often come to our asset management consultants with questions about mutual funds; which ones should I buy? Should I consider past performance? How much will I -- or should I -- pay in management fees? Does manager tenure matter?

It's easy to understand why so many clients have questions about these investment products.


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Market Corrections: Don't Let Worries Derail Your Wealth Planning

By Francoise Crandell | August 24, 2017

We often speak with clients who feel anxious about market corrections. This common concern can become a source of stress for many investors. 

As if additional stress wasn't enough, worries about market volatility can actually derail your financial strategies, if you let your emotions get the best of you. Unfortunately, misinformation promoted by the financial media and Wall Street is designed to elicit an emotional reaction from investors -- and make unscrupulous investment professionals more money.

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Wealth Management Consultants Weigh in on ETFs

By Francoise Crandell | August 18, 2017

At Premier Financial Group, our advisors sometimes hear questions about ETFs. What does the acronym "ETF" stand for? (Exchange-traded funds). How many ETFs are there? (Thousands.) How many U.S. households hold ETFs? (About 5 percent as of 2013). 

With those "easy" questions out of the way, let's focus on the meat of the issue: What differentiates ETFs and comparable index funds? That's a bit more complex. Read on to learn what you need to know about ETFs.

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Leave Emotions Out of Your Investment Planning

By Francoise Crandell | August 12, 2017

When the market's on the upswing, as it has been over the past several years, do you feel like you should be pouring even more funds into your portfolio? How about when the market has a downswing, as it inevitably does? Is your first reaction to get out and wait for a better time?

If so, you're definitely not the only one. In fact, it seems as though it's human nature to make investment decisions based on emotion. Unfortunately, reacting emotionally to market ups and downs isn't a good idea. Read on to find out why...



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Is Goal Setting Part of Your Financial Planning Process?

By Francoise Crandell | July 31, 2017

If you've ever had a performance review at work, you've probably already experienced the power of goal setting. In the workplace, meeting your goals leads to positive results, like feelings of accomplishment, promotions and raises. (Not meeting those goals, on the other hand, generally doesn't work out quite as well.)

Though you might perceive goal setting simply as a helpful exercise and/or workplace management tool, it should also be part of your financial planning process. Why? Research on goal-setting theory

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Three Ways to Vet Your Investment Professional

By Francoise Crandell | July 25, 2017

We often speak with clients who are confused by the many terms that investment professionals use to describe themselves. From financial advisor to wealth advisor, financial planner to financial planning consultants, it's hard to know exactly what's in a name.

Adding to the potential for confusion, the definitions of what these titles mean often changes, depending on who's doing the defining. Plus, different financial advisors offer varied services.

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Retirement Investment Advisors Warn of Potential Crisis

By Francoise Crandell | March 27, 2017

Have you ever worried that you might be falling behind on your retirement planning? It isn't uncommon and for good reason as our standard of living in retirement may be directly connected to how well we plan for it during our earning years.

Francoise Crandell is a 401(k) Financial Advisor with Premier Financial Group in Eureka Humboldt CountyActually, most Americans worry about retirement. According to the U.S. Bureau of Labor Statistics' 2014 National Compensation Survey, only 53 percent of non-military workers contribute to a retirement plan.

The group most at-risk of falling behind? Part-time and low-income workers, as their employers are less likely to sponsor retirement plans that utilize payroll deductions. As more Americans transition into working for small businesses -- that are less likely to offer retirement savings plans -- and are forced to work more than one job just to

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