 “It turns out my job was not to find great investments, but to help create great investors,” writes Carl Richards, author of “The Behavior Gap.”1 From increasing our budget mindfulness to taking a steadier approach to investing, Richards has drawn attention to the way our unexamined behaviors and emotions can be our detriment when it comes to living a happy and financially sound life. For Georgia retirees, investing behavior may just be the single biggest factor that determines your success in retirement.
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Retirement is a major milestone that brings many life changes. One thing that doesn't change for most people: the fear of running out of money. According to the Transamerica Center for Retirement Studies, the most frequently reported retirement worry is outliving savings and investments. Across all ages, 51% of respondents cited this concern, and 41% of retirees claim the same fear. Additionally, only 46% of retirees think they've built a nest egg large enough to last through retirement.
Now is the time to face your fears. Take a look at a dozen ways you could go broke in retirement and learn how to avoid them. Some you can avert with careful planning; others you have little control over. But you can prepare your finances to make the best of whatever may come.  As I write this today, crude oil sits at around $5.50 per barrel! As we began the year at an already low $68 per barrel, we are seeing a collapse of the oil markets like never before. What does this mean to the world economy and all of us? Although gas prices at the pump continue to fall, is this something I should be worried about? Let;s dive in.
Guest Post: Author: John Haas  After successfully growing the operations of two property management companies, John opened Haas Properties in 2000. John is a marketing expert and advises owners on generating maximum revenue while lowering costs. In addition to marketing, John personally oversee all aspects of tenant selection, unlike other firms that use a screening service. He serves as the director on the Cherokee County Board of Realtors and has served as a Director and Chairperson on the Atlanta Chapter of NARPM. John holds a Bachelor of Science degree from Texas A&M and an MBA from Stephen F. Austin. When not working, John enjoys spending time with family and coaching youth basketball and baseball. There is no single magical formula to calculate the Return on Investment(ROI). However , as HaasProperties.com says, by understanding some common principles of finances, you can get a rough idea on what the ROI will be.
Here are some factors that you should be aware of that can play a role in determining the ROI of a particular investment property: By Roy Larsen, CFP®, AAMS®  Interviewing financial advisors for this very vital role in your life can be daunting. Plus, the 21st century brings with it new threats to your finances, so your “toolbox” of questions needs to be updated as well. You are trying to achieve many objectives, such as help to plan for key life events and investing your hard earned assets in the most appropriate way. You not only need assistance in achieving your goals but you want to do so in a fashion that represents who you are. You also want peace of mind and time so you can go off and do the things that are most enjoyable to you, which encompasses the majority of your focus and attention.
Provided by Roy Larsen, CFP®, AAMS®  These are the words that make investors irrational: "This time is different" By Roy Larsen, CFP®, AAMS®  When you invest for growth, you are typically seeking capital appreciation over the long term. You will likely choose investments that you believe will exhibit a faster-than-average increase in share price over the coming years. Growth stocks have the potential to outperform slower-growing investments, such as income stocks, because gains are generally reinvested in the company to achieve further growth rather than distributed to shareholders as a dividend.
By Roy Larsen, CFP®, AAMS®  In some cases, investors choose to authorize a money manager to make the actual investing decisions for their portfolio rather than simply make recommendations. In such cases, it can be valuable to have a mechanism for making sure in advance that investor and manager are on the same page.
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AuthorRoy Larsen is a Certified Financial Planner™ practitioner and Fee Only Wealth Manager who resides outside of Atlanta, Georgia. 
Roy's Financial Blog contains articles on the multiple and complex issues of living successfully in Retirement. There are additional resources on our educational website, www.successfulretirementinstitute.com.
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Larsen Wealth Management, LLC is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Larsen Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Larsen Wealth Management, LLC unless a client service agreement is in place.