SWAN Capital Blog

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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Are Habits Costing You Your Retirement?

December 4, 2020

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…

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The Market Is A Voting Machine?

November 3, 2020

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…

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The Savings Pyramid

September 25, 2020

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…

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IRA Exit Recipe

September 15, 2020

Let me ask you one question: Do you think tax rates over the next decade will be headed higher or lower? If you’re like the thousands of individuals I have polled, you are most likely thinking higher. Of course, no one knows the future for sure, but based on the government’s spending habits and the…

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You Spend Income, Not Assets

September 3, 2020

Many retirees approach retirement with a healthy mix of unease and excitement. One of the most frequent questions I am asked is, “Andrew, what will be different when I retire on Friday?” Financially, one of the big changes in retirement: You have been used to 40 years of paychecks, and on Friday those paychecks dry…

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