Alvin Carlos

April 19, 2018 | Alvin Carlos, CFA, CFP®

Who Should Consider Bankruptcy?

Bankruptcy is an unattractive way to get out of debt. But one of our clients chose this path, and she’s never been happier. Meet Sue Sue (not her real name) is a single mom who works in Bethesda and lives in Prince George’s County. Half of her monthly take home pay goes to rent, and […]

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April 5, 2018 | Alvin Carlos, CFA, CFP®

Amazon and an Imprudent Proposal

Two weeks ago, my client Carl (not his real name) asked me to put all of his $330,000 IRA retirement savings in Amazon. I couldn’t believe what I was hearing. I could not, in good conscience, implement this request. It is extremely imprudent to put all of our savings in a handful of stocks, let […]

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March 27, 2018 | Alvin Carlos, CFA, CFP®

4 Money Makers You May Be Missing Out

We’ve heard many investment success stories. The Winklevoss twins are reportedly now billionaires through their early bitcoin investments. Our uncle who invested $10,000 in Berkshire Hathaway stock in 1965 would now have $88 million. What is the latest wealth generator out there today? We’ll give you four. They’re not the get-rich-quick schemes you may be […]

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March 6, 2018 | Alvin Carlos, CFA, CFP®

Secret to Creating $1 Million

According to Einstein, what is the most powerful force in the universe? The power of compounding. We see that at work with Katie and Haley’s retirement savings. Meet Katie Katie is a recent prospective client of our firm. She is just 25 years old, and already seeking out a financial planner. She’s been working for […]

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February 1, 2018 | Alvin Carlos, CFA, CFP®

7 Reasons Why You Haven’t Hired a Financial Planner – And Why They’re All Wrong

Many Americans choose to go it alone with their finances instead of hiring a certified expert. Hiring a financial planner is not yet part of our mainstream culture. Yet, if we are willing to pay a mechanic to change our car’s oil or a plumber to fix a leaky sink – even though we could […]

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January 24, 2018 | Alvin Carlos, CFA, CFP®

Let’s March to Close the Women’s Wealth Gap

I grew up with five older sisters. I learned many things from them: creative summer games, empathy, math tricks, and how to be economical. I have high regard for all of them, and I am convinced that they can do what any other man or woman can do. So it stings to know that my […]

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January 11, 2018 | Alvin Carlos, CFA, CFP®

Three Questions That Will Change Your Life

George Kinder – a Harvard-trained financial planner and a renowned Buddhist teacher – developed these three famous questions to truly understand a person’s life goals and values. Because this is what financial planning is all about: using money as a tool to live a meaningful life. I invite you to ponder on these questions. To […]

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January 2, 2018 | Alvin Carlos, CFA, CFP®

Will Stocks Trend Higher in 2018?

One of the most challenging part of my job as a financial planner is calming clients down during periods of stock market decline. Thankfully, I didn’t have to experience that in 2017. The U.S. stock market clocked a return of more than 21%. International stocks performed even better, rising by more than 27%. Everyone I interacted […]

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December 13, 2017 | Alvin Carlos, CFA, CFP®

Should you buy Bitcoin?

“Technology has advanced greatly, but human psychology is still the same.” I’m an aggressive investor. When stocks were tumbling during the Great Recession and everyone was running for the exit, I was buying stocks left and right. I even deployed most of my emergency funds. Those kinds of deep bargain opportunities only happen a few […]

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December 12, 2017 | Alvin Carlos, CFA, CFP®

God vs. Your Financial Planner

I’d like to share my blog post (below) that was recently published at the Millennial, an online journal that provides Catholic opinion on the most pressing issues of our times in politics, religion, and culture.    ________________ As a financial planner, I encourage people to take control of their finances and plan for their future. I often […]

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