Author Archives: Objectively Speaking

About Objectively Speaking

Tom Batterman, founder of Vigil Trust & Financial Advocacy and Financial Fiduciaries, LLC is in the business of representing the best financial interests of his clients. Having provided objective, fee-only financial management services for over two decades, he specializes in managing the investment and related financial affairs of individuals and mutual insurance companies who do not have the time, interest or expertise to manage such matters on their own. As an objective, unbiased professional who takes on a fiduciary responsibility to his clients, he guides clients to the financial decisions they would make themselves if they had years of training and experience and the time and expertise to fully research and understand all of their options. Founded in 2010 as an outgrowth of Vigil Trust & Financial Advocacy, Financial Fiduciaries, LLC is a financial management solution for individuals and mutual insurance companies who recognize they do not have the time, interest or expertise to properly attend to their financial matters on their own. While there are many financial “advisors”, most of them have investment products to sell and the “advice” they provide is geared toward getting their clients to engage in a purchase. As one of the rare subset of advisors known as “fiduciary advisors”, Financial Fiduciaries does not sell any investment product so its guidance is not compromised by conflicts of interest which plague ordinary advisors. Prior to his employment in the financial industry in financial advocacy and trust positions, he worked at a private law practice in the Wausau area in the areas of estate planning, tax, retirement planning, corporate organizations and real estate. He is a graduate of the University of Wisconsin-Madison and the UW-Madison Law School and has during his career held Series 7, 24 and 65 securities licenses. A longtime resident of the Wausau, Wisconsin Area, Tom is active in the community. He enjoys golf, curling, skiing, fishing, traveling and spending time with his family.

Retirement gender differences

  You may have read that women are far more likely to face poverty in retirement than their male counterparts—but you may not realize just how big the disparity is.  In fact, women are 80% more likely to fall into … Continue reading

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Strategies for Claiming Social Security

Claiming social security benefits is more than a rite of passage for the retiree.   It is actually one step in an overall strategy, that if not calculated into the entire retirement resource strategy, you may be leaving money on the … Continue reading

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Investments need to outpace inflation

  Inflation Impact We all know that inflation gradually erodes the value of our dollars, and you’re probably aware that this is one of the main reasons for investing in the stock market.  If you hide your money safely under … Continue reading

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Bank of Japan’s 75% ownership of ETFs and rising

  False Positive? We’ve all heard about as much as we can take about the U.S. Fed’s multi-part QE program, and similar stimulus programs instituted by the European Central Bank.  What they mostly have in common is the purchase of … Continue reading

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Value of rebalancing portfolio – a very good idea

  Why Rebalance? You probably know that your investment portfolio is being rebalanced on a regular basis, but you might not know why.  Is it for higher returns?  Do we rebalance in order to maintain the agreed-upon balance of investments … Continue reading

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The Senate weighs in on tax reform

  Senate Tax Bill   The U.S. House of Representatives passed its proposed tax “reform” bill last month, and now the Senate has followed suit.  Interestingly, the two bills are different enough that the two sides are going to have … Continue reading

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Not-so-social side of social media

  The Antisocial Side of Social Media Have you ever wondered whether social media was having a positive or negative impact on our mental well-being?  The American Academy of Pediatrics has issued a warning about the negative effects of social … Continue reading

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