Don’t Forget the IRS Wants Their Cut    Every December, the same thing happens. Someone calls in a panic because they just realized, usually on December 29, that they forgot to take their required minimum distribution, or RMD. The tone is always the same. Frazzled, rushed, a little embarrassed, followed by the inevitable question: can...Read More

Fed Cuts, Mortgage Rates Climb: What It Means for You   On September 17, 2025, the Federal Reserve cut its short-term interest rate by a quarter of a percent. Many homeowners expected mortgage rates to drop the next day. They did not. Thirty-year mortgage quotes and long-term bond yields moved higher.    This is not...Read More

How We Helped a Client Unwind a $640K Position, Without the $197K Tax Hit     I have a client who lives in Ramsey who in 2015, took a risk and invested $40,000 into a company he believed in: Nvidia. He didn’t trade. Didn’t follow daily market noise. He just held. Through every wave of fear...Read More

Mastering the Mind: The Empty Boat and the Biases That Steer Your Finances    Money is supposed to be rational. Numbers are objective. Yet when we deal with money, our emotions and instincts have a way of slipping into the driver’s seat. The real challenge in financial planning is not always the market or the...Read More