Helping pave the way towards financial freedom
As financial advisors, we help people attain financial independence. Usually, our personalized planning conversations are enough to help them establish a healthy, happy relationship with their money. But sometimes, we uncover bigger pain points we need to move past before we can move on. There’s no shame in that. Almost all of us have picked…
Have you been reading the daily headlines—watching markets stall, recover, and dip once again? If so, you may be wondering whether there’s anything you can do to avoid the motion sickness. If you already have a well-structured, globally diversified portfolio tailored for your goals and risk tolerances, our answer remains the same as ever: Your…
Whether due to disability, dementia, or simply enjoying an exotic vacation, there are many ways you can end up unavailable to make critical financial or health care choices for yourself or your loved ones. If you’ve not documented your desires in advance, it can add extra stress for everyone, plus the outcomes may not be…
While Q3 ended on a sour note (September), indexes made up for it with a strong Q4 to close out the year. Stocks continued to climb the proverbial “wall of worry”, overcoming concerns about inflation, Omicron, and failure of the fiscal stimulus (Build Back Better plan) getting passed. Here’s how some of the major market…
There is no doubt that there is a lot to think about when planning for retirement. While we have a degree of control over many of the choices involved, there’s one big wild card called sequence risk. It’s come up in several of my recent conversations, so I wanted to address it here. Sequence risk…
How often do you think about retirement? According to studies, most of us think about it a lot — at least four times a week! We think about when we’ll retire and how we’ll spend our time in retirement. And as exciting as that can be, it can also be nerve-racking to think about trying to…
Believe it or not, another year has rounded third base, and is dashing toward home plate. That said, there’s still time to make a few good plays in 2021, while positioning yourself to score more in the year ahead. Here are six financial best practices for the record books. Keep Your Eye on the Ball….
What would make your life better? A new house or car? A bigger paycheck or bank account? It’s easy to want more when you think of being happier and living better. And there’s little doubt that money can buy some (more) happiness. But the happiness we get from money is fundamentally limited. It leaves us…
It is no secret that the IRA tax code can be confusing. Filers sometimes misinterpret rates and end up believing they must pay more than they usually do. Understanding marginal and effective tax rates are important for tax planning purposes. A funny anecdote is the story of Former Secretary of Defense Donald Rumsfeld. Every year…
The month of September ended on a sour note, with most indexes dropping for the first time in many months. The moderate decline was enough to erase the quarter’s prior gains, resulting in a relatively flat quarter. The Dow Jones Industrial Average finished the quarter slightly negative, and the S&P 50 was slightly positive (see…