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Clarity starts with education.

How the Financial Media Hurts Investors

Isn’t it interesting how human beings are drawn to drama? For some reason, we watch the news more when there is a crisis, tragedy, or natural disaster taking place. This is precisely why the financial media is always incentivized to create a crisis…

5 Reasons to Stop Caring About How Your Portfolio Stacks Up

Regardless of what stage of life you’re in, it’s natural to wonder how your portfolio stacks up to that of your peers. In fact, I’ve received that very question quite often. With that said, here are 5 reasons to stop comparing your portfolio to your peers…

The Worst Mother’s Day Gift

Our mothers have such an important role in all our lives. They tirelessly care for us from infancy to adulthood, usually sacrificing the things they want to do or have for us. As we celebrate Mother’s Day this year, consider the following situations as things you don’t want to give your wife this Mother’s…

How Many Jellybeans Does it Take to Price a Stock?

Imagine a jar is filled with a large number of jellybeans and you have to guess the quantity that is inside the jar. It would be a daunting task for anyone. But, this exercise can offer valuable insight into how market prices are set, and if they are fair and accurate…

Stop Giving to Charity…in Cash

Before you get the wrong impression of the headline, I think giving to charity is great. In fact, I think people should do more of it. This article, however, wasn’t written to change your attitude about charitable giving, but about the method in which you administer your gifts…

A Social Security Loophole that Still Exists

The Bipartisan Budget Act of 2015 made some significant changes to a few key Social Security filing strategies. Specifically, the legislation removed some well-known loopholes that were used by many to increase spousal benefits. These loopholes involved…

Here’s the Prescription

Improving someone’s financial health is a lot like improving their physical health. The challenges include diagnosis of the current situation, development of the appropriate course of action, and sticking with the treatment plan. Click here to read…

Christmas Cookie Investing

There are many treasured parts of the holiday season, including the lights, gifts, and the joyful atmosphere. But, there is one part of the Christmas holiday that seems to be a favorite for those young and old; Christmas cookies.

Lessons from Vegas on Behavioral Finance

Our firm recently attended a conference on for 401(k) plan advisors and that conference happened to be in lively Las Vegas, Nevada. The conference demanded much of our time, but of course, if you walk just about anywhere in Vegas, you’ll see…

Lowering Taxes with QCDs

You may have heard that that IRS requires individuals over the age of 70 ½ to begin taking distributions on their tax-deferred retirement accounts, forcing them to pay taxes on a portion of their IRAs, 401(k)s, etc. during their lifetime. These distributions are referred to as…

How to Fix Social Security

The phrase “Social Security is broken” seems to be common rhetoric in today’s financial spheres. In fact, the American public has become increasingly pessimistic about the likelihood of Social Security still being around in the long run. But, is that opinion well-founded?

Why Robots Are Bad Financial Advisors

In this age of rapidly advancing technology, more and more investors have opted for “DIY” financial planning and investment Management platforms. And, with the increasing capabilities of trading platforms, retirement calculators, and auto-

HSAs: A Best-Kept Secret?

HSAs are somewhat of a hidden gem in the investment world. In many of my own client interactions, I find that people may have a decent understanding of an HSA, but they may not fully be aware of all the advantages that go along with using one. HSA stands for Health...

4 Things to NOT do After Receiving an Inheritance

Receiving an inheritance is likely unfamiliar territory for most individuals. In some cases, the amount of your inheritance can even be a big surprise. In any case, if you have recently received an inheritance, it’s probably an emotional time…

Sailing with the Tides

Embarking on a financial plan is like sailing around the world. The voyage won’t always go to plan, and there’ll be rough seas. But the odds of reaching your destination increase greatly if you are prepared, flexible, patient, and well-advised. Click here to read the...

Retiring Early? Don’t Overlook These 5 Things.

Retiring early. To most people, that phrase has a beautiful ring to it. In fact, it’s difficult to find individuals who would choose to continue working if the possibility of early retirement presented itself. However, if you’re fortunate enough to be in the position...

How to Frame Investing Near A Market High?

Over the past 5 years or so, some investors have shared a similar question. “With the stock market near all-time highs, should I be investing right now?” At first glance, it seems logical to be hesitant at the idea of investing near a market high…

True or False Diversification?

The old adage, “Don’t put all of your eggs in one basket” has undoubtedly been a simple yet profound guide for investors for decades. The translation is simple; diversify your portfolio so that if unforeseen circumstances negatively affect one of your stocks, it won’t completely derail your entire…

Why Investors Should Consider Dividend-Paying Stocks

Based on current economic forecasts, we could be entering a period when market returns lag behind historical returns, meaning investors might want to do due diligence on all investment strategies to find the best way to meet their objectives. If income is a goal…

Stock market naysayers paint an incomplete picture

Some in the financial media say a stock market correction is inevitable. That prediction is intriguing, but it has a few subtle, yet gaping holes. Are we standing at the precipice after a strong uphill climb in the world of investing, or does it just seem that way to...

Your Investments Might Not Be That Important

Many people weigh the success of their financial life entirely on the performance of their investment or retirement accounts. In the past, the world of financial advice revolved around what funds or stocks to pick and when to buy or sell. I’d like to share an idea...

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