About Heath Hightower

As a CERTIFIED FINANCIAL PLANNER™ professional, Heath believes in giving solid, unbiased advice, and building relationships with clients that make a tangible, positive difference in their lives. He helps clients with all aspects of their financial lives, such as retirement planning, education planning, charitable giving, and investing. Read Heath's Profile HereRead More Articles by Heath

Are your IRA beneficiaries set up correctly?

If you haven’t reviewed your IRA beneficiaries in a while, you may find that the designated beneficiaries on your IRA are not who you intended them to be, especially if you have grandchildren. For instance, if you name your three … Continue reading

Where Should the Market Be?

Last week the Dow Jones (^DJI) topped the 17,000 mark with a gain of about 3.25% for the year.  The markets have been on a tear for over three years with no significant downturn since the long forgotten technical correction … Continue reading

Test Your Own Behavioral Bias

People are fascinating to me.  You’d think that over thousands of years, the human brain would have evolved to become capable of making unbiased decisions as a means for survival.  But based on James Montier’s book “Behavioral Investing” our brains … Continue reading

What’s Your Retirement Number?

A couple of years ago, ING started a great marketing campaign to encourage people to start saving for retirement.  The “What’s your retirement number?” slogan was undoubtedly derived from a common question that financial advisors hear from clients every day.  … Continue reading

Duration Risk: What Bond Investors May Not Know

As Mike Booker mentioned in the Q4 newsletter, we think bonds still deserve a place in most portfolios.  After all, bonds are ultimately one of the greatest diversifiers an investor can own.  Historically, conservative investors have allocated large percentages of … Continue reading

Low for Longer: A More Active Approach to Fixed Income

“Low for Longer” is Blackrock’s investment theme heading in to 2014. The Low for Longer tag line is their way of expressing a forecast of tepid economic growth, easy monetary policy and, consequently, low interest rates. Investment catchphrases such as … Continue reading

Is Now a Good Time to Start Investing?

“Is now a good time to start investing?”  It’s a simple question, but it’s almost impossible to answer because it requires a market prediction. Most people agree that trying to predict the market is impossible, but it’s human nature to … Continue reading

Take a Stand for What You Believe In

Aaron Tippin is a country music artist that rose to fame in the early 1990’s.  I was a teenager when his debut single was released, “You’ve Got To Stand For Something”.  It became a popular anthem for Americans as we … Continue reading

What Diversification Really Is (And What It’s Not)

Over the years I’ve come to realize that diversification can mean different things to different people.  Most financial advisors preach diversification, but I’m often astonished by the allocation strategies that pass for “diversification” in the financial planning industry.  Diversification is … Continue reading