Category

Financial Planning
Lessons in Investing, with Visuals   You will be far wealthier holding through the bull markets than you will ever lose by holding through the bear markets. You are your own worst enemy. Your behavior has far more to do with your investment success than your intelligence. Behavior is why most investors underperform. While thinking...
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Financial Planning and Self Care     Financial wellness is an essential aspect of our overall well-being, and it’s closely linked to our ability to manage stress, maintain good physical and mental health, and enjoy a balanced, fulfilled life. Just as self-care encompasses pillars to foster a holistic approach to well-being, achieving financial wellness can...
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Life Insurance Basics     Life insurance can be an incredible planning tool that reduces your family’s risk and protects them on your worst day. The biggest issue I find with clients is a lack of proper guidance when purchasing life insurance and people not understanding their needs, their options, and the most effective solution...
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Jargon of Estate Planning Explained   The jargon of a topic that you don’t know about is always intimidating and can often lead to people just avoiding the subject altogether.  Estate planning is already a morbid topic to have to discuss, but it is a necessary one. Add in the confused look most of the...
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Experiences Are Never a Waste of Money   My wife, Christina, and I took our kids to see the Broadway play Wicked this weekend. We went in early and strolled through the theatre district, letting the kids take in the sights and sounds of New York City all around them.   We go into the...
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The Plan Is the Product, Not the Portfolio   I hate comparing financial planning to losing weight, even though I lost 100 LBS using the principles I use when creating financial plans. I tracked all the food that I ate and created a program designed to allow me to eat healthy 95% of the time...
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Monkey Mind   Youth football season has started, so my son, AJ, has been at practice each night for the past two weeks. Yesterday was the football jamboree, where all our league teams came together and played twenty-minute scrimmages against each other. AJ’s position has changed this year, and he is working hard to be...
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Income, Savings, or Returns. Which Matters Most?   The idea of a “side hustle” isn’t new, but we just called it a second job when I was growing up. Now, the concept of a side hustle is all the rage and is a weekly conversation with clients. This weekend I spent time with a friend...
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Return on Hassle     Some financial questions can be answered with a spreadsheet, but most are some combination of spreadsheets and behavioral psychology.   What many people don’t consider when making decisions of all types is Return on Hassle (RoH).     Set In Their Ways     We had a family event this weekend, and as it...
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Wealth Comes in Many Forms   Many Gen X and Millennials equate wealth to income level, while others look at the “stuff” you have, like what car you drive or the size of your house, to gauge wealth.   Let us remember that our financial situations are some combination of math and emotions, so wealth means...
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