SWAN Capital Blog

RMDs: Be prepared

June 2, 2021

RMDs: Be prepared If you are hearing that Required Minimum Distributions (RMDs) are not a big deal, I want to share with you  some hard truths about RMDs . RMDs are distributions from qualified accounts imposed by the federal government in order to force investors to pay taxes on previously untaxed assets. The purpose of…

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A Man Is Not a Financial Plan

May 13, 2021

A Man Is Not a Financial Plan Neither is a woman a good financial plan. We must never depend on someone else for our retirement. Remember, you must at least sit in the co-pilot chair for your retirement planning because, let’ face it,  couples don’t always pass at the same time. That means that one…

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An Evergreen Wedding Gift

April 30, 2021

An Evergreen Wedding Gift If you’re a parent, you may not even have to leave the hospital before you think to yourself: Who will ever love this baby as much as I will? Parents may find themselves dreaming of the day they walk their daughter down the aisle or dance with their son on his…

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the last financial advisor

The Last Financial Advisor

April 15, 2021

The Last Financial Advisor Why should you hire a younger advisor?  I want to share with you the 4 reasons why I think you should select a younger advisor to be your last financial advisor. Now, the elephant in the room is that I am writing this to you as a young advisor. I started…

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How to Spend Your Money in Retirement

April 8, 2021

How to Spend Your Money in Retirement If they taught Wealth 101 and Investing 201 in school, I must have been on my way to the beach – skipping class. I know we both missed these classes in school. Luckily, along the way we are taught to put money in our 401(k) and/or work for…

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Tax Diversify

March 22, 2021

Tax Diversify “If the ladder is not leaning against the right wall, every step we take just gets us to the wrong place faster” – Stephen Covey1 I find that most successful investors are successful savers too. These savers have been climbing the ladder and accumulating assets over a long period of time. However, if we are…

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Retirement’s Pesky Black SWANs

March 11, 2021

Retirement’s Pesky Black SWANs Black Swan events are by definition an unpredictable or unforeseen occurrence; typically one with extreme consequences. These are the uppercuts to retirement that no one sees coming. However, many Black Swan events in your retirement are less surprising when you know the facts. The three main Black Swans I commonly see…

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Retired & Bored

February 24, 2021

Retired & Bored Have you ever wondered why, as you get older, you feel like time is speeding up? Some researchers believe that it is because our mind is not interested in remembering daily routines. The brain files it in the recycle bin as not important, thus making your days feel shorter because there is…

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It’s Not a Game (Gamestop)

February 10, 2021

It’s Not a Game (Gamestop) In my career I have heard people say, “jackpot, all in, hold, players, optimal strategy, whale, wild card, option, bet, accumulator, and double down”. At first, you may wonder If I work at a casino or with the stock market. Are we dealing cards or dealing with stocks? Words matter.…

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Is Your Spouse Ready?

February 5, 2021

Is Your Spouse Ready? We are all 100% terminal. I know that is pretty dark and stoic. A pandemic is not necessary for us to realize that life is finite regardless of how long we live. Yet, one of the most common mistakes I have seen with DIY financial plans is that the planners don’t…

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Your New Title: CEO

January 18, 2021

Your New Title: CEO When I sit down with families, one of the questions in our first visit is: “If we fast forward to your retirement or if you’re already retired, how much monthly income do you need to live comfortably?” I have been surprised at how many blank stares or scratching heads I have…

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Exponential Saving

January 11, 2021

Exponential Saving When you hear that you need to save 20% of your income, it can feel intimidating. To go from saving 0% of your income to 20% could feel similar to trying to stop a moving train. I believe we must draw a line in the sand somewhere, and 20% is the line where…

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