A recent Dalbar study showed that over the last twenty years the average investor returned between 2.56% and 3.83% This compares to an S&P 500 return over the same period of 9.14%. How is it possible to have this much disparity?

Financial planning too often focuses on the end game—estate planning, retirement planning, life insurance, legacy building, etc. The need to help young people just starting a life together plan their financial world is sometimes lost in the scuffle.

When Congress enacted Section 529 of the Internal Revenue Code, it is a sure bet it did not foresee the creative ways education savings plans could be put to use.