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About Ben Utley
Credentials
References Media Coverage
 William “Ben” Utley, CFP®
President and Founder
Ben Utley began his career in finance with Waddell & Reed in 1994 and launched his
own firm just two years later. Ben holds a bachelor of science degree from Texas A&M University, a masters in science from the University of Oregon, and is a
Certified Financial Planner™, Registered Investment Adviser, and a registered member
of the National Association of Personal Financial Advisors.
Ben is featured and quoted in The Wall Street Journal, Business
Week, Medical Economics, Consumer Reports, Physician’s Personal Advisory, the
London Financial Times, Physician’s Practice and Oregon’s own
Register-Guard.
Medical Economics has twice recognized Ben as one of its
“150 Best Financial Advisors” and Bloomberg Wealth Manager hailed Ben Utley as
the “New Breed of Financial Advisor.”
Ben has lived in Eugene since 1992. He is married and has two
daughters.
“Money is more than what you make, money is what you make of it. Good financial planning helps physicians do more with the money they earn. This allows them to have more time for what is important to them – family time, leisure, and spending more time with patients.”
– Ben Utley
Click here to contact Ben Utley.Credentials, Membership & Education
*If you're wondering, "How did Ben move from chemistry to personal
finance," just ask. It's a good story.
Click here to contact Ben Utley.
To protect our clients’ privacy, we do not release the names
of our clients as references. Instead, we encourage you to contact the
following professionals who have seen the quality of our work.
- Cancice Barr, Executive Director
Lane County Medical Society
Eugene, Oregon
541-686-1356
- Scott Bassinger, Attorney
Bassinger & Kim, PC
Eugene, Oregon
541-687-8700
- Wade Bell, Certified Public Accountant
Bell & Morgan
Eugene, Oregon
541-683-7411
- David Cole, Chief Financial Officer
Agate Resources, Inc.
Eugene, Oregon
541-338-2938
- Bill Critchlow, Attorney
Behrends, Swindoff, Haines & Critchlow PC
Eugene, Oregon
541-344-7472
- Barbara Evarts, Certified Public Accountant
DiLorenzo & Company
Eugene, Oregon
541-485-7254
- Howard Feinman, Attorney
Speer, Hoyt, Jones, Poppe, Wolf & Griffith, PC
Eugene, Oregon
541-485-5151
- Grant Griffith, Registered Investment Advisor
Portland, Oregon
503-246-3448
- David Kammerer, Loan Officer
Pacific Crest Home Loans, Inc.
Eugene, Oregon
541-868-1850
- Marga Larson, Certified Public Accountant
Larson & Associates LLP
Eugene, Oregon
541-342-8161
- Dan Martin, Pension Consultant
Pension Planners Northwest
Eugene, Oregon
541-345-8404
- Barry Rubenstein, Attorney
Watkins Laird & Rubenstein
Eugene, Oregon
541-484-2277
- Wesley Wheeler, Certified Public Accountant
Metleider & Wheeler
Springfield, Oregon
541-744-2727
Click here to contact Ben Utley.
Reporters and Writers: To contact Ben Utley for an interview, please
contact us
with the name of your publication, your topic, and your deadline. Someone will
respond to your request within one business day. Thank you.
NEWS FROM 2005
Ben Utley Listed Among the "Top Financial Professionals" in
JK
Lasser's New Rules For Estate & Tax Planning April,
2005
Book by Harold Apolinsky & Stewart Welch (Wiley)
When it comes to your estate—no matter how big or small it may
be—you shouldn't leave anything to chance. Proper planning is
necessary to protect both your assets and your heirs. Covering
wills, trusts, powers of attorney and even asset protection,
Lasser's latest release is a must-read for those who take their
estate planning seriously. Ben Utley is listed among only five
"top financial professionals" in the state of Oregon for estate
planning (p. 273).
Consumer Reports "Money
Advisor" Newsletter February, 2005
"Pay Off That Mortgage Before Your Retire" by Greg Daugherty
"Folks that pay off their mortgages, they walk around like they're on
cloud nine" quips
Ben Utley when asked if it's a good idea to retire your debts before you
retire yourself. Discusses the pros and cons of paying off your mortgage,
including tax issues and deductibility of interest.
Click here to contact Ben Utley.
NEWS FROM 2004
Consumer Reports "Money
Advisor" Newsletter December, 2004
"Two Careers, One Retirement" by Greg Daugherty
Ben Utley urges readers to use caution when planning lump sum
distributions (or rollovers) from pension plans at retirement, noting
that fees, commissions and outright fraud has cost many a retiree-to-be
their life savings. He also discusses the details of his-and-hers
retirement plans as well as issues surrounding post-retirement health
insurance.
Medical Economics November 19,
2004
150 Best Financial Advisers for Doctors- Our Exclusive List" by
Dennis Murray
The go-to money magazine for family practitioners begins by saying, "Finding an adviser is easy. Finding one who has a lot of experience working with physicians, and who understands their often-unique financial situations, takes time and effort."
This is the second time Ben Utley has been listed as one of only
two advisers in all of Oregon who was admitted to the list.
Ben Utley Added To Registry of "High Quality Advisors"
September 9, 2004
Jack Waymire, the author of "Who's
Watching Your Money?: The 17 Paladin Principles for Selecting a
Financial Advisor"
(Wiley, 2003), says, "The most important decision you will ever make for your
financial future is the selection of the right financial advisor." His
organization, Paladin Investor Resources, has added Ben Utley to its
Registry of high quality
advisors. Paladin Investor Resources provides awareness, education, information, tools,
and services to investors who rely on advisors to achieve their financial goals.
Black Enterprise magazine July, 2004
"Follow the Banker: Bank-loan funds allow you to capitalize on the
nation's need to borrow money" by Donald J. Korn
Ben Utley helps readers find one more way to increase investment
income during times of abysmally low interest rates.
Utley says bank-loan funds "make sense if you
want an investment that produces income, if
you have a moderate risk tolerance, and if
you’re seeking a fixed-income investment that
is less susceptible to interest rate increases.”
However, Utley is quick to point out that there’s
no free lunch. “If you want protection against
rising interest rates along with higher yields
than you’ll earn in a money market fund, you
must give up something. With bank-loan funds,
you have a slight risk of capital loss.”
The Wall Street Journal May 26, 2004
Investors With Little Ready Cash, Take Note of Mortgage Swaps by
Ray Smith
This article recommends that commercial real estate investors "tote
the note" when selling properties. Certified Financial Planner Ben Utley
points warns sellers that these mortgage notes can be illiquid. "They're
generally hard to sell, and if you do sell there is a discount
involved," he says. "There's no public market for these kinds of things.
There are less buyers for them."
The Register-Guard (Eugene, Oregon) April 24, 2004
Featured on the front page of The Register-Guard's "Homes" section, this article
helps first-time home buyers find ways to make a down payment through creative
financing. One way might be to use the $10,000 penalty-free withdrawal from an
IRA but the author cautions home buyers to think twice before using the
strategy.
Physician's Personal Advisory February 1, 2004
Pick Up an Extra $5,000 a Year- Risk Free by Louis Pilla
"It makes no sense to sit on unneeded savings while carrying and paying interest on a variety of obligations such as mortgages, auto loans and... credit cards." Ben Utley advises busy physicians to use excess savings to pay down debt. The interest saved could easily exceed $5,000 per year.
The Wall Street Journal January 28, 2004
Some Earn Higher Rates by Buying Mortgages by Ray A. Smith
The recent run up in home prices and the slump in rates on bank deposits are pushing some investors to look for alternatives. Ben Utley is quoted on some of the basics of mortgage note investing.
Click here to contact Ben Utley.
NEWS FROM 2003
In Search of the Perfect Model: The Distinctive Practices of Leading Financial Planners December
1, 2003
Book by Mary Rowland (Bloomberg Professional Library)
Renowned author and columnist Mary Rowland profiles Ben Utley and twenty-one other
financial advisors who are leading the industry's best practices today.
Physician's Personal Advisory October 1, 2003
Diversify with REIT's by Louis Pilla
With investors running for cover in the third year of a bear market, people are beginning to look at real estate, including Real Estate Investment Trusts or REIT's. Ben Utley advises physicians, "If you really want to buy real estate, it makes more sense to invest in a rental property with professional property management." After all, REIT's are stocks, too.
Financial Advisor Magazine October 1, 2003
A Time of Change by Raymond Fazzi
The story profiles advisors who are rethinking their fundamental asset allocation strategies. Ben Utley describes some minor adjustments he's recommended to clients this year. He also talks about the benefits of setting and sticking to an asset allocation.
Inside Information August 20, 2003
Looking for Investment Advice? We can help! by Bob Veres
In a discussion of financial planning best practices, this industry newsletter points to Ben Utley's definition of a sound client-advisor interaction. "He says that the professional advisor needs to control the planning process, but not the actual decisions. 'I try to determine the client's values and motivations using some life planning tools,' he says. 'Then I apply this to the universe of strategies, where only value-appropriate strategies fall through the screen. THEN I give these options to the clients and let them decide. If I control the process, and they control the decisions, then we are likely to make progress."
Physician's Personal Advisory June 1, 2003
What the Bear Market Teaches Us by Louis Pilla
Active management won't protect you from downturns [in the market], Utley says. An active manager has to outsmart not just one or two people, but everyone in the market. The risk of having the manager mess up, he notes, is greater than market risk.
Physician's Personal Advisory March 1, 2003
Should you pay for financial planning advice by the hour? by Louis Pilla
The feeding frenzy of new entrants to the financial planning industry has spawned a host of new business models, and one is pay-by-the-hour advice. Ben Utley admonishes physicians to just say no. He says "planning is a process, not a product" and the hourly billing model forces the physician or another professional to carry the financial vision and the process... Most physicians are far too busy to do that."
Virtual Office News February 1, 2003
Virtual Office Focus by David J. Drucker
In this financial planning industry trade newsletter, Ben Utley's practice is profiled for its use of technology as a way to improve inter-office efficiency and enhance the quality of customer service.
Click here to contact Ben Utley.
NEWS FROM 2002
Medical Economics December 9, 2002
150 Best Financial Advisors for Physicians by Leslie Kane
Med Ec began its search by asking its readers to recommend their favorite advisors. Next, they sought advisors who shine in their field and in their commitment to serving medical professionals.
Medical Economics lists Ben Utley as one of its "150 Best Financial Advisors for Physicians."
Physician’s Personal Advisory December 1, 2002
2003: Advice from the Experts by Louis Pilla
Asset allocation, Utley stresses, is the most important decision an investor can make. In this feature story, Ben Utley advises physicians that "a well-planned portfolio is good for all seasons and should help you stay properly invested no matter what surprises 2003 has to offer."
Of Interest: The Journal of the Lane County Medical Society November 1, 2002
Asset Allocation: A sound Strategy In Tough Times by Ben Utley
Tough times in the markets call for sound strategy. Ben Utley helps physicians understand asset allocation: what it is, how it works, and why it helps you and your investment portfolio survive difficult markets while benefiting from prosperous ones.
Private Practice Success November 1, 2002
Carefully Consider How You Display Your Success by Jim Knaub
In his editorial, Jim Knaub cautions physicians against the public display of wealth. He cites a recent conversation where Ben Utley expresses "the wish that more physicians would more clearly recognize their 'conspicuous consumer' habits and the perception it creates." To avoid being a target, a physician should first avoid looking like one.
Physician’s Personal Advisory November 1, 2002
Use Asset Protection Strategies to Shield Your Wealth by Louis Pilla
The fever pitch of malpractice claims have many physicians breaking out in a cold sweat. While exotic strategies abound, Ben Utley explains a few of the more accepted asset protection remedies.
Private Practice Success October 1, 2002
Asset Protection: Another Form of Malpractice Insurance by Jim Knaub
Ben Utley advises physicians to add more to their qualified plans as a way to shelter more assets from the reach of creditors in the event of malpractice claims.
The Financial Times September 18, 2002
Global Investing: Get Ready to Weather the Gathering Storm by John Wasik
Losing your job can be tough, but losing your insurance can be devastating. Ben Utley helps readers understand how to stay covered while they're on the move with portable disability insurance.
The Wall Street Journal July 1, 2002
Some Advisers Look Askance at Schwab's Private-Client Group by Lynn Cowan
Some advisors who use Charles Schwab's advisory platform in their practices are beginning to see Schwab as a competitor. Ben Utley disagrees, but admonishes "We're
financial advisors, and we have a fiduciary duty to help our clients. So if there's a better deal out there for our clients, we're all going to jump on it."
Lifetime.com June 14, 2002
Save or Sorry?: Seven Ways to Build Your Bank Account Painlessly by Susan Davis
If you put 10% of your pretax, gross income into savings, you will have nothing to worry about at retirement, Utley says. "Saving 10 cents on every dollar is not that hard, once you get used to it."
Dow Jones Newswires May 28, 2002
Planners Fees Shift As Scrutiny Increases by Kathy Chu
Increased scrutiny of compensation methods in the financial advice industry has caused some advisors to rethink the way they charge for what they do. Utley Financial Planning's consumer-friendly retainer arrangement is profiled here as one of the better ways of doing business.
SmartMoney.com April 19, 2002
Are Analysts Good For Anything by Matthew Goldstein
"I figure if chief executives are going to lie, there is nothing to stop the analysts," says Ben Utley when asked about the merits of listening to stock analysts. He advises readers to focus on the news, annual reports and other ways of checking out companies before investing their hard-earned money.
SmartMoney.com April 4, 2002
Stocks Investor Panel: Against The Wind by Matthew Goldstein
Ben Utley helps readers broaden their investment horizons as he recommends adding an index fund to an all-stock portfolio to reduce the risk of stepping on a land mine like Enron.
Of Interest: The Journal of the Lane County Medical Society April 1, 2002
Second Opinion: Retirement by Ben Utley
A local pediatrician in her mid-30's with young children asks, "How much should I be saving [for retirement] today?" Using a simple method called The Rule of 72, Ben Utley details how much to save, where to save it, and how to stash away more for both college and retirement.
Physician’s Personal Advisory April 1, 2002
Private Mortgage Insurance: Just Say No by Louis Pilla
Private mortgage insurance is designed to protect lenders, not homeowners. Physicians can side-step this costly mortgage add-on by following three strategies Ben Utley outlines in this story: updated appraisal, paying down the mortgage, or using a "piggy back" loan.
Of Interest: The Journal of the Lane County Medical Society March 1, 2002
Second Opinion: Disability Insurance by Ben Utley
Every physician knows their earning capacity is their single greatest financial asset. Ben Utley answers a local physician's question about getting and keeping disability insurance.
Physician’s Personal Advisory March 1, 2002
Getting On Board with High Yield Bonds by Louis Pilla
High yield bonds may offer some investors a better deal than traditional investment grade bonds in the coming year or so. Ben Utley covers the ins and outs of owning this tricky asset class.
Bloomberg Wealth
Manager February 13, 2002
The New Breed by David J. Drucker
This feature profile of Certified Financial Planner Ben Utley discusses
the factors that make his Eugene, Oregon-based financial planning
practice unique, including use of technology, niche market, and
philosophy on customer service.
Of Interest: The Journal of the Lane County Medical Society February 1, 2002
Second Opinion: College Savings by Ben Utley
In this Q&A column, Ben Utley explains the pros and cons of using zero-coupon US treasury bonds in funding college tuition for a physician's eight year old son. He details alternative programs, like 529 college savings plans.
Physician’s Personal Advisory February 1, 2002
Quick Tips to Save You Money and Time by Louis Pilla
Where physicians have both equity in their homes and a pile of higher-rate debt, Ben Utley advises readers to consider the interest and tax savings available through home equity lines of credit.
Click here to contact Ben Utley.
NEWS FROM 2001
ABCNews.com December 6, 2001
Earnings After Taxes: New Rule Requires Mutual Fund Ads to Show After-Tax Returns by Lisa Singhania
After-tax earnings numbers are nice, but they're a matter of history. Ben Utley advised readers to consider another statistic: turnover. "Turnover gives you some predictability of the taxability of a fund... I imagine the after-tax rates would be helpful... but the problem is, it's all based on the past."
E*Trade Radio: "It's Your Money" December 1, 2001
Lowering Rates on School Loans by Chris Chan
Physician’s Personal Advisory December 1, 2001
Try These 3 Refinancing Strategies: They Can Offer Large Savings by Louis Pilla
Home financing seems to be a game where they hide the ball. Ben Utley tells physicians how to find the savings in three financing strategies: "no cost" refinance, par rate loans and "teaser" rate loans
E*Trade Radio: "It's Your Money" November 8, 2001
Why Should You Refinance a Second Time? by Chris Chan
Physician’s Personal Advisory November 1, 2001
Two Ways to Lower Capital Gains Taxes by Louis Pilla
Because of their higher income tax brackets, physicians may take advantage of two timely tax strategies: the "deemed sale" and "income shifting". Ben Utley talks about how they work and what to do to save taxes.
E*Trade Radio: "It's Your Money" October 5, 2001
Should I Pay a Load on My Mutual Fund? by Chris Chan
Bloomberg Wealth Manager October 1, 2001
Planning 101- And Beyond by David J. Drucker
Better financial advisors stay sharp by meeting with colleagues to discuss hot topics and learn way to better serve their clients. The article profiles the progress of the first Virtual Study Group formed by Ben Utley. The group of more than 20 members meets on the web to handle "virtually" any kind of practice management or planning issue.
E*Trade Radio: "It's Your Money" September 21, 2001
Why Raising Cash Now is a Bad Idea by Chris Chan
E*Trade Radio: "It's Your Money" September 18, 2001
Trading Stocks in Volatile Markets: Some Things to Consider by Chris Chan
SmartMoney.com September 10, 2001
Stocks Investor Panel: Getting Back to Basics by Matthew Goldstein
Diversification is key to surviving tough markets. As a panelist in this discussion of SmartMoney's reader-recommended model stock portfolio, Ben Utley extols the virtues of a well-rounded portfolio
E*Trade Radio: "It's Your Money" September 7, 2001
Right and Wrong Reasons to Get Into Debt by Chris Chan
Physician’s Personal Advisory September 1, 2001
Uncovering Opportunity in Closed-End Funds by Louis Pilla
Closed-end bond funds hold above average potential for total return- if you know which ones to buy. In this segment catering to the financially-informed physician, Louis Pilla explains the ins and outs of closed-end funds, and quotes Ben Utley on a number of points, including how they work, how to pick a good one, and what to expect from the investment.
E*Trade Radio: "It's Your Money" August 28, 2001
Mutual Funds: Should You Consider Funds That Re-Open? by Chris Chan
E*Trade Radio: "It's Your Money" August 23, 2001
Rebalancing Your 401K by Chris Chan
E*Trade Radio: "It's Your Money" August 17, 2001
How Much Time Should You Take for Your Investments? by Chris Chan
E*Trade Radio: "It's Your Money" August 16, 2001
Choosing a Money Market Fund by Chris Chan
E*Trade Radio: "It's Your Money" August 14, 2001
Should You Hold Gold in Your Portfolio? by Chris Chan
E*Trade Radio: "It's Your Money" August 8, 2001
Some of the Best Ways to Reduce the Size of Your Estate by Chris Chan
E*Trade Radio: "It's Your Money" August 3, 2001
Being Overweight in Your Company's Stock by Chris Chan
E*Trade Radio: "It's Your Money" August 2, 2001
New Funds vs. Old Funds by Chris Chan
Financial Advisor Magazine July 31, 2001
Why 55 Is Irrelevant by Evan Simonoff
Why 55 Is Irrelevant debunks the myth of traditional retirement and explores the choices and opportunities available to early "retirees." Evan Simonoff quotes Ben Utley on techniques he uses to "creatively encourage" clients to break the bonds of the occupations that made them their wealth and help them enjoy more, earlier.
E*Trade Radio: "It's Your Money" July 30, 2001
How to Handle Your Fear in Turbulent Markets by Chris Chan
E*Trade Radio: "It's Your Money" July 26, 2001
Divorce - One of the Biggest Financial Planning Mistakes by Chris Chan
E*Trade Radio: "It's Your Money" July 24, 2001
ETF's vs. Index Funds by Chris Chan
E*Trade Radio: "It's Your Money" July 20, 2001
Importance of Being Properly Insured by Chris Chan
E*Trade Radio: "It's Your Money" July 17, 2001
What to Look for in a Mutual Fund Prospectus by Chris Chan
E*Trade Radio: "It's Your Money" July 11, 2001
Great Ways to Save Cash to Pay Income Taxes by Chris Chan
E*Trade Radio: "It's Your Money" June 15, 2001
Benefits of Tax Loss Selling by Chris Chan
E*Trade Radio: "It's Your Money" June 14, 2001
Saving for Retirement Without a 401K by Chris Chan
E*Trade Radio: "It's Your Money" June 12, 2001
What Are the Hidden Costs From Your Mutual Fund? by Chris Chan
E*Trade Radio: "It's Your Money" May 30, 2001
What to Do With Your 401k When Switching Companies by Chris Chan
E*Trade Radio: "It's Your Money" May 18, 2001
What Do You Do If Your Fund is Merged Into Another? by Chris Chan
E*Trade Radio: "It's Your Money" May 4, 2001
Pros and Cons of Dividend Reinvestment Plans by Chris Chan
E*Trade Radio: "It's Your Money" May 3, 2001
When Do You Need a Financial Advisor by Chris Chan
E*Trade Radio: "It's Your Money" May 1, 2001
Investing in a Rebounding Economy by Chris Chan
E*Trade Radio: "It's Your Money" April 27, 2001
Investments - What's Your Favorite Long Term Sector? by Chris Chan
E*Trade Radio: "It's Your Money" April 18, 2001
Earnings - What to Look For. by Chris Chan
E*Trade Radio: "It's Your Money" April 16, 2001
Stocks - Price to Book Ratio - What Does It Reveal? by Chris Chan
E*Trade Radio: "It's Your Money" April 11, 2001
Bonds - Municipal vs. Taxable by Chris Chan
E*Trade Radio: "It's Your Money" April 6, 2001
Strategies - Looking for a Market Bottom? by Chris Chan
Financial Planning Interactive April 1, 2001
Refinancing Roulette by Richard J. Koreto
When you plan to reach your goals, managing your debt is just as important as managing your portfolio. Ben Utley and other comprehensive planners go over the fine points of mortgage refinance.
E*Trade Radio: "It's Your Money" March 30, 2001
Dividends - What Can It Tell You About a Company? by Chris Chan
E*Trade Radio: "It's Your Money" March 27, 2001
Stocks - What Does the Price Earnings Growth Ratio Tell You About a Stock? by Chris Chan
E*Trade Radio: "It's Your Money" March 21, 2001
Portfolio Diversification - How Many Stocks Do You Need? by Chris Chan
E*Trade Radio: "It's Your Money" March 13, 2001
What If You Own Stocks in a Company Going Bankrupt? by Chris Chan
E*Trade Radio: "It's Your Money" March 8, 2001
Living Trust - What Are They and Why Use Them? by Chris Chan
E*Trade Radio: "It's Your Money" March 5, 2001
Taxes - Tax Loss Selling by Chris Chan
Senior Living Resource Guide March 1, 2001
Stocks Require Patience and TLC by Ben Utley
An avid gardener, Ben Utley often uses botanical analogies to explain the vagaries of the financial markets in his latest feature article, "Stocks Require Patience and TLC". Well-received by gardeners and investors alike, the article explains complex ideas like "Book value," P/E ratios, and enterprise valuation in a way that makes them easy to understand.
E*Trade Radio: "It's Your Money" February 27, 2001
Exchange Traded Funds - What Are the Advantages and Disadvantages? by Chris Chan
Dow Jones Newswires January 18, 2001
Advisors See Few Tears From Investors Who Lose Control by Lynn Cowan
Likening the market’s bumps and congestion to those found in a New York cab ride, Lynn Cowan extols the virtues and explains the finer points of placing your savings in the hands of a professional. In this gritty yet enlightening piece, Ben Utley explains how discretionary portfolio management keeps his clients from missing important market opportunities.
Click here to contact Ben Utley.
NEWS FROM 2000
mPower.com October 17, 2000
Is Day Trading Your 401(k) a Good Idea? by Clifton Linton
In response to a site visitors 401(k) question about day trading, Ben Utley calls it like he sees it, "I don't believe in day trading at all. I've never seen anyone make any money at it."
The Wall Street Journal October 1, 2000
Doing Nothing With Your Investments Can Result in Big Gains, Fewer Headaches by Jonathan Clements
Rising oil prices... falling stock prices... jittery interest rates... what to do? It takes the most courage to do nothing. But that's the best way to make money. says Ben Utley in his interview for the Journals Getting Going column. He reminds us, "You can destroy a perfectly good strategy with a little fear. Good investing requires a sound strategy and courage in the face of constant bombardment by the press".
MorningstarAdvisor.com September 20, 2000
How Advisors Are Adopting Exchange-Traded Funds by Mimi Lord
Ben Utley and four other early-adopters of exchange-traded funds discuss the pros, cons and practical applications of this new and improved form of mutual fund.
Your Money Magazine (Consumer Digest) September 1, 2000
College Savings: Investing in Your Children's Future by Clare La Plante
College costs are rising by more than 5% per year, faster than inflation. A child born today can expect to pay more than $200,000 at a four year private college in the year 2018. So what’s a parent to do? "College Savings: Investing in Your Children's Future" details the latest college planning strategies and investment options. In this article, Ben Utley recommends students earn at least half of the funds for their education, saying "I feel that the kids get a better work ethic, more experience, it makes the education more valuable, and they are more targeted when they graduate".
The Washington [DC] Times June 30, 2000
United They Wed, Divided They Bank by Cheryl Wetzstein
The author of "United They Wed, Divided They Bank" points out how many couples argue about money and asks the experts whether or not it’s a good idea for newlyweds and remarried couples to bank jointly. Sources including noted authors, clinical psychologists, and spokespeople from the American Bankers Association and the Consumer Credit Counseling Service give conflicting opinions. Ben Utley sums it up by saying, "If people are going to fight about money, it’s usually a core issue... My saying is that ‘Money never creates or solves a problem. Money is a magnifying glass for an existing problem'".
The Business News June 19, 2000
A SIMPLE Solution to Retirement Plan Worries by Ben Utley
In its recent Employee Benefits Survey, the Bureau of Labor & Statistics cites a lack of retirement plan participation among employees in small businesses. In his column, "A SIMPLE Solution To Retirement Plan Worries," Ben Utley helps business owners overcome the hurdles of establishing an effective retirement plan. He gives details about starting a Savings Incentive Match Plan for Employees (SIMPLE), and tells how the SIMPLE can help employers retain well-qualified employees in a competitive labor market.
BusinessWeek June 19, 2000
A Better Bet Than Money Markets? by Mara DerHovanesian
The stock market’s precipitous second quarter decline caused some investors to look for safer investments with high yields. In the "BusinessWeek Investor" feature, Ben Utley tells how he helped one conservative investor by using short term bond funds to overcome a case of the jitters and move gradually into longer term investments.
The Business News March 29, 2000
Brokerage Banking May Be The Ticket To Savings by Ben Utley
In his column entitled, "Brokerage Banking May Be The Ticket To Savings", Ben Utley helps business owners think out-of-the-box about their banking arrangements. He reviews a host of free and inexpensive cash management services available today to make banking easier and more profitable for business owners.
The Business News January 3, 2000
Well-Prepared Business Menu Whets Customers' Appetites by Ben Utley
In the Information Age, businesses increasingly offer services which are intangible in nature. As a result, customers often find it more difficult to make informed purchase decisions. Ben Utley uses his "Money Talks" column to show business owners how a well-drafted proposal can effectively communicate the benefits of their services while giving customers more options at the point of purchase.
Click here to contact Ben Utley.
NEWS FROM 1999
The Business News December 6, 1999
Season of Giving Shouldn't Include Too Much for Uncle Sam by Ben Utley
Whether it was a winning or losing year in the market, Ben Utley offers readers two ways to trim their holiday capital gains tax bill as they approach the tax year's end.
The Wall Street Journal November 29, 1999
Spending It. Investing It: A Personal Finance Special Report by Mara DerHovanesian
There's a new player in the investment game called the Millennium Generation, or the "boomlets". The Wall Street Journal cites Ben Utley's experience with these fast-paced investors.
The Business News October 11, 1999
Revenue-Smoothing Brings Year-Round Results by Ben Utley
The new economy challenges entrepreneurs to remain competitive. In his guest column, Ben Utley discusses the evolution of customer service and how small business owners can custom-tailor their service packages to better serve customers, stabilize revenues and improve profitability.
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In the News
Medical Economics counts Ben Utley among its "150 Best Financial Advisers for Doctors".
Physician's Practice published Ben Utley's summary of the latest bankruptcy bill and it's impact on
asset protection.
The Wall Street Journal consults Ben Utley on the fine points of
mortgage note investing.
Consumer Reports cites Ben Utley's
advice for families nearing
retirement.
JK Lasser lists Ben Utley among it's
"top financial professionals" for estate planning.
The Register-Guard features Ben Utley's advice about
raising cash for a first time home purchase.
Author Mary Rowland proclaims Ben
Utley's work with physicians in her book profiling the nation's "leading financial planners."
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