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Mark Henricks

Mortgage, Retirement and Investing Expert

Mark Henricks has reported on personal finance, investing, retirement, entrepreneurship and other topics for more than 30 years. His freelance byline has appeared on CNBC.com and in The Wall Street Journal, The New York Times, The Washington Post, Kiplinger’s Personal Finance and other leading publications. Mark has written books including, “Not Just A Living: The Complete Guide to Creating a Business That Gives You A Life.” His favorite reporting is the kind that helps ordinary people increase their personal wealth and life satisfaction. A graduate of the University of Texas journalism program, he lives in Austin, Texas. In his spare time he enjoys reading, volunteering, performing in an acoustic music duo, whitewater kayaking, wilderness backpacking and competing in triathlons.

Posts by Mark Henricks:

by Mark Henricks Feb 27, 2021

As people get older, they may face a multitude of challenges relating to many spheres of life including work, health and relationships. In addition, starting in middle age and lasting through retirement, aging citizens wrestle with how best to manage, preserve and ultimately transfer the financial wealth they have accumulated through a lifetime of labor. Many of these seniors benefit from the advice and guidance of well-trained financial advisors who have earned respected professional designations. The chartered advisor for senior living (CASL) designation indicates an advisor who specializes in helping aging clients navigate those challenges. Read more

by Mark Henricks Feb 27, 2021

Managing an investment portfolio calls for mastery of a challenging set of skills including understanding portfolio theory, allocating assets between debt and equity, decoding mutual fund investment policies, managing taxes and planning for retirement. The accredited portfolio management advisor (APMA) credential signifies that a financial professional has received graduate-level training in these skills and others. Read more

by Mark Henricks Feb 27, 2021

One of the limitations of using tested investment theory to provide people with rational financial advice is that people aren’t necessarily all that rational. Investors tend to get worried when the market is down and sell cheap at the bottom, locking in losses. On the flip side, they tend to buy in at high prices when the market is rising, so the only way to record gains is if the market keeps going up. Financial advisors often are challenged to encourage clients to follow the rational course when emotions drive them otherwise. That’s where the behavioral finance advisor (BFA) accreditation comes in.  Read more

by Mark Henricks Feb 26, 2021

Dave Ramsey is a well-known personal finance celebrity with a long-running radio show, multiple best-selling books, online tools, educational courses and a large following. Endorsed local provider … Read more

by Mark Henricks Feb 26, 2021

There is more to financial advising than passing out stock tips. Well-rounded financial advisors go beyond selecting securities and asset classes to take into account all the factors that can affect… Read more

by Mark Henricks Feb 26, 2021

The Certified Personal Risk Manager (CPRM) program was created for professionals who offer insurance and risk management services to high-net-worth individuals (HNWIs). Candidates develop their risk… Read more

by Mark Henricks Feb 26, 2021

Deciding how and especially when to claim Social Security benefits can be one of the most financially significant moves a person makes. Yet the rules used to calculate how much a beneficiary can… Read more

by Mark Henricks Feb 26, 2021

Managing an investment portfolio requires a solid grasp of theories, strategies and practices to design, assemble and oversee a package of financial assets for the specific objectives of individual… Read more

by Mark Henricks Feb 26, 2021

Financial advisors who want to acquire and display expertise at helping businesses set up and run effective and appropriate retirement plans for their employees can study for a Chartered Retirement… Read more

by Mark Henricks Feb 26, 2021

When conventional married couples go through divorce or the death of one of the spouses, it can be complicated to sort out the financial and tax issues. Same-sex couples who are not married do not… Read more

by Mark Henricks Feb 05, 2021

Making the transition from working life to retirement presents a number of challenges ranging from how you’ll pay your living expenses to how you’ll occupy your time. The Certified Professional… Read more

by Mark Henricks Feb 05, 2021

Estate planners help people figure out how to pass assets to their heirs without losing too much to taxes, while also planning charitable bequests and addressing other matters relating to estates. It… Read more

by Mark Henricks Jan 13, 2021

Salespeople and marketers working in the financial services profession, as well as college students, can earn the Accredited Retirement Plan Consultant (ARPC) certificate to show they have… Read more

by Mark Henricks Jan 13, 2021

When families are wrestling with the challenge of paying the costs of higher education, a certified college financial consultant (CCFC) can help. CCFCs have gotten specialized training in education… Read more

by Mark Henricks Jan 13, 2021

New insurance agents can get a grounding in the basic skills, such as underwriting, needed to succeed in the field by becoming a Life Underwriter Training Council Fellow (LUTCF). After completing the… Read more

by Mark Henricks Jan 13, 2021

Insurance agents who want to be more successful can acquire the knowledge they need while earning the Certified Professional Insurance Agent (CPIA) designation. This professional certificate program… Read more

by Mark Henricks Jan 13, 2021

When owners of privately held companies are considering how to transition out of their businesses due to planned retirement, health concerns or other reasons, they often get expert help with the… Read more

by Mark Henricks Dec 30, 2020

It’s not uncommon for people to receive sizable inheritances, but it’s less common for them to make the most financially advantageous decisions about what to do with their newly acquired assets. If… Read more

by Mark Henricks Dec 30, 2020

If you inherit an individual retirement account (IRA) from a spouse, you can treat it like your own IRA or roll it over into a traditional IRA you already have. If you are the beneficiary of an IRA… Read more

by Mark Henricks Sep 21, 2021

While ordinarily inheriting a home is a financial windfall, for someone receiving Supplemental Security Income (SSI) payments it can present a problem and potentially a serious financial negative.… Read more

by Mark Henricks Dec 30, 2020

When a marriage ends in divorce in Florida, assets are likely to be divided approximately 50-50 according to the prevailing practice of equitable distribution. Florida couples wanting a more active… Read more

by Mark Henricks Dec 30, 2020

Texas is a community property state, which means that all assets and property either partner in a marriage acquires during the marriage is jointly owned by both spouses. Anything a partner brings to… Read more

by Mark Henricks Dec 21, 2020

If you receive an inheritance while you are getting federal Supplemental Security Income (SSI) benefits, it could make you ineligible to receive any more benefits. Federal law requires you to report… Read more

by Mark Henricks Dec 21, 2020

Assets inherited by one partner in a marriage can be considered separate and owned only by that partner. However, inheritances can be ruled as marital property jointly owned by both partners and,… Read more

by Mark Henricks Dec 21, 2020

Inheriting valuable property such as a home, securities, bank accounts and retirement accounts from a deceased relative can be a major financial windfall. But converting inherited property such as a… Read more