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…Read More
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…Read More
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…Read More
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…Read More
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…Read More
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.…Read More
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…Read More
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…Read More
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…Read More
Are Habits Costing You Your Retirement? Saving for retirement can be daunting. We have spoken before about saving an entire 20% of your income towards retirement. At first glance that sounds novel but we always seem to have extra month at the end of the money! We all wish we had extra money at the…Read More
The Market Is A Voting Machine? Warren Buffet and his mentor Benjamin Graham both once said, “In the short run the market is a voting machine, but in the long run, it’s a weighing machine.” Regardless of the results of this election, we must understand that our government plays an important role in policies and…Read More
Growing up, the food pyramid gave me a visual picture to understand that it wasn’t so wise to eat 100% junk food. I understood by the simple graphic that moderation was the key to living in balance. Financial gurus will tell you to save everything you can and live on a shoestring budget now so…Read More
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