How Investment Advisors Are Structured   Most people don’t think about how financial advisors are actually set up. They shouldn’t need to. But the structure behind an advisor tells you a lot about how they’re paid, who they answer to, and what their incentives look like. It starts with understanding the two big regulatory worlds...Read More

When Everything Costs Too Much      For much of my career, I believed that a recession was the worst economic threat. Job losses. Businesses closing. Families stressed. That’s all real and painful. But lately I’ve come around to thinking the more subtle risk, lack of affordability, is doing more damage right now than a...Read More

Are We In A Bubble?   Why We’re Not in a Bubble Yet  The stock market has been on a wild run. Big Tech keeps setting new records, AI is reshaping industries overnight, and investors everywhere are asking the same question: “Is this another bubble?”   Goldman Sachs tackled that question in a recent report...Read More

Stop Letting Uncle Sam Eat Your Returns: Why High Earners Need a Real Tax Strategy, Not Just Index Funds      If you and your spouse are high-income professionals with part of your compensation through RSUs or ISOs, you already understand how complicated taxes can become. You don’t just have a paycheck. You face vesting...Read More

When Washington Shuts Down, but Markets Don’t     Every few years, Washington reminds everyone how broken the system can feel. The government shuts down, federal workers are furloughed, and Americans are forced to watch the same tired debates play out again. It’s easy to think this chaos would shake up the stock market, but...Read More

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

Tariffs Are A Hidden Tax We All Pay     Tariffs sound like something out of an economics textbook. They are not abstract. They show up in the price of clothes, groceries, cars, and appliances. You never see tariff on a receipt. You just notice things cost more. ­ The Budget Lab at Yale estimates the...Read More