Welcome to Rall Capital Management


Does Your Asset Allocation Include All of Your Assets?

When most investors think about asset allocation, or diversifying their portfolio, they think of spreading their money around in stocks, bonds, real estate, commodities, etc. And that is mostly correct. Very few portfolios take into consideration what might be your biggest asset. If you are still working, your ability to get up and go to […]

Time Flies When the Markets Rally

I don’t want to alarm you, but in case you haven’t noticed, there are only about 75 more days until Christmas, which means about 74 more shopping days! As they say, time seems to pass more quickly every year, and this year is certainly no exception. It’s hard to believe that we just ended the […]

The Equifax Hack: What You Should Do Now

Maybe you were distracted. There’s been a lot going on. With two major hurricanes hitting the U.S., threats of nuclear war from North Korea, the continuing dysfunction that is Washington, D.C., and the start of a new football season, you could have missed the details on what is possibly the biggest story ever related to […]

Some Guidelines for Donating to Hurricane Harvey Victims

A natural disaster like Hurricane Harvey, which wreaked havoc on Texas last week, brings out the best in people. In the wake of one of the worst storms ever, we saw many examples of neighbors coming together to help other neighbors. We also saw volunteers come from across the country to do what they could […]

Don’t Recognize the Number? Don’t Answer the Call!

One of the first steps of the financial planning process is to make sure that you have properly protected your assets. Usually, we are talking about making sure that you have the appropriate insurance coverages in place. You buy life insurance to protect your loved ones if you pass away; you buy health insurance to […]

Don’t Chase the Hot Dot—How We Invest, Part Three

It’s so obvious that you may not have even noticed it. It’s the paragraph that is part of the paperwork for every investment account that you open with an advisor, brokerage firm, bank, or insurance company. It makes so much sense that you acknowledge it and move on, barely giving it a thought. It’s obviously […]

Which Type of Medicare Advantage Plan Is Best for You?

What to do about health care is one of the major decisions that everyone faces when getting close to retirement. A lot of people delay retirement until they reach age 65 because they don’t want to lose their employer-sponsored health plan. Even if they are financially able to retire, they will often continue to work […]

Should I Pay Off My Mortgage?

Picture this: Through your hard work and discipline, you have accumulated a relatively significant amount of savings outside of your retirement accounts. You have more than enough cash set aside in your emergency fund, which is your safety net, and you are thinking about whether you should use some of your excess savings to pay […]