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

The Overlooked Social Security Rules That Can Make or Break Retirement     Social Security has a way of turning a basic idea into something that feels like a government riddle. You work, you pay in, you collect one day. Except real life is messier than that. People get married, divorced, remarried, widowed. Work history...Read More

Active vs Passive in 2025: Who’s Winning?   Cutting Through the Noise   There’s always noise in investing. Fund managers make big promises. Wall Street insiders often claim to possess special insights. Influencers pitch hot stocks like side gigs. But beyond all that noise, one question matters: Does active management really beat simple indexing?  ...Read More

Who’s Shaking the Jar?   There’s this viral story floating around the internet that goes something like this: You put 100 black ants and 100 red ants in a jar. Nothing happens. But shake the jar? Chaos. The ants start attacking each other, each thinking the other is the enemy. The lesson? The real enemy isn’t...Read More

The Sugar High of Hype: Why True Financial Planning Isn’t Sexy… But It Works Back in 2023, you couldn’t walk into a middle school or youth lacrosse game without seeing some kid flexing a bottle of Prime like it was a Rolex. It was the status symbol. Created by YouTube stars KSI and Logan Paul, Prime...Read More

The Money Talk That Isn’t Really About Money   There’s something quietly powerful about Sunday afternoons. They’re not the weekend anymore, but not quite the workweek either. It’s this strange little window where the world slows down just enough for something real to sneak in. No soccer practice, no Costco haul, no late emails from...Read More

Headlines, Bombs, and Balance Sheets:  What Military Strikes Really Mean for Your Portfolio    Over the weekend, the United States launched three strikes against Iranian targets, and tensions between Israel and Iran continued to simmer just below a boil. The headlines were jarring, the imagery intense, and the Twitter hot takes… predictably chaotic. But while...Read More

Stop Trying to Time the Market:  Do This Instead    There’s a quote I think about often: “More money has been lost preparing for market corrections than in the corrections themselves.” We all want to believe we’re smarter than the market. That if we just watch closely enough, we’ll see the signs, dodge the downturns,...Read More

How Things Feel vs. How Things Are: The Bias Costing You Real Money   There’s a quote that’s been living rent-free in my head for weeks now:  “We are terrible judges of how things are because we’re so wrapped up in how things feel.”  And once you see it, you can’t unsee it, especially when...Read More

This Is What Happens When You Bet on Yourself   Seven years ago, I walked out the doors of the financial advisory firm I had once called home for over 12 years. I left behind a steady paycheck, a comfortable book of business, and a lot of people who thought I was out of my...Read More