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Debt, Financial Advisor, Investment Management, Financial Planning

Melting The Debt Snowball

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For many of us, debt is a huge part of our lives. In fact, the table below shows typical debt balances, as well as total debt balances owed by consumers, according to NerdWallet’s 2017 American Household Credit Card Debt Study. Type Of Debt Average Household Total U.S. Consumers Credit Cards $15,654 $905 Billion Mortgages $173,995 $8.74 Trillion Auto Loans $27,669 $1.21 Trillion Student Loans $46,597 $1.36 Trillion Any Type Of Debt $131,431 $12.96 Trillion As you can see, our lives are

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Life Insurance, Financial Advisor, Investment Management, Financial Planning

Do You Need Life Insurance?

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Life insurance is one of the most oversold and exaggerated pieces of your financial life. It is important to know when you actually need it, how much you need, and what type to use. Otherwise, you could end up like many, over-insured and spending more in premiums. What is the purpose of life insurance? The primary purpose is to provide financial assistance to someone else in the event you pass away. Ultimately, you only NEED it when you have people

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Patriot, Financial Advisor, Investment Management, Financial Planning

Twenty-Five Years!

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It doesn’t seem possible that so many years have passed since we started Patriot Investment Management!  It has truly been a wonderful journey.  When we began, our guiding philosophy was to always do the right thing for our clients.  That principle has served us well and we now manage client assets totaling over $937 million. First, I want to thank each and every one of our clients.  You have entrusted your hard-earned assets to us, and we take the job

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Market, Financial Advisor, Investment Management, Financial Planning

What Are The Stock & Bond Markets?

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As financial advisors, we try to educate clients to help them on their path to financial independence and financial fitness. However, one of our largest downfalls is our need to over-complicate things to show our intelligence. We use industry jargon and speak about things that are foreign to most. As a result, our goal of educating meets very little progress. This is especially true when it comes to the stock market and bond market. At Patriot, we are fee-only fiduciaries

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