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Looking Forward with the Perspective of the Past 50 Years

Most people reading this column — whether early in their careers or well into retirement — have had their entire financial lives shaped by the events between 1975 and 2025. And yet almost none of us were taught to study that period carefully. Instead, we’ve been conditioned by markets, media and our own wiring to obsess over what’s happening today and what might come next. Such a short-term obsession is the enemy of good investor behavior.
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Your Plan (and Behavior) Matter More Than the Headlines

The biggest success determinant has nothing to do with cleverness or timing. Instead, it has everything to do with having a plan and sticking to it. Amid all the noise in today’s world, it’s easy to get distracted from the foundation of your financial plan. By returning to those core principles, you can recalibrate to your highest priorities, both for now and the future.
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Overcoming Inflation Using a Familiar Friend (Part 2)

If your income doesn’t rise to match inflation, your lifestyle must fall to compensate. That’s not pessimism but basic math.
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Understanding Inflation, the Silent Killer (Part 1)

Among the greatest long-term threats to retirees and investors is inflation. The world was reminded in recent years — and almost overnight — just how quickly inflation can roar back to life.
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From Accumulation to Freedom: A Better Retirement Mindset

I want to start with a story that’s uncomfortable and all too common. A man dies at 73 with $2.4 million. He lived in the same modest house for forty years, drove an aging car and clipped coupons until the end. He never took the big trip or upgraded anything to make daily his life easier. Instead, he just kept stacking dollars in the bank. Shortly after his funeral, his children split the money. Flush with cash, they purchase new homes, cars and consumer goods to upgrade their lifestyle — until the money runs out.
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Human Nature Is a Failed Investor—But Your Plan Doesn’t Have to Be

When I entered this business in the late 1970s, I quickly realized that markets weren’t the real challenge — people were. Not because they lacked intelligence or information, but because the human mind is wired for survival, not investing.
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Anchoring: The Mindset Mistake That Quietly Steers Investors Off Course

I meet monthly with thoughtful, experienced investors who genuinely seek the best decisions. Despite any savviness, however, they often fall prey to a similar mental trap: anchoring. It’s not one of ignorance but of human nature. Anchoring…
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The Underestimated Orchard

The one force in finance that remains stubbornly misunderstood is compounding. Human brains have evolved to understand straight lines, not curves. We grasp addition and subtraction, but our intuition breaks down around exponential growth. We…
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Markets Have Seasons—And So Does Your Portfolio

As we settle into another Colorado winter, my mind shifts toward the seasons — their predictability, their necessity, and how much they reveal about what truly lasts. Even as the final bits of a colorful autumn fade, the gardener knows that…
target date funds

The Trouble with Target-Date Funds

Target-date funds have quietly become the default investment choice for millions of Americans. In workplace retirement plans, they’re the path of least resistance — simple, convenient and automatic. Select the year you plan to retire, direct…
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Current Events Only Raise Uncertainty

Every investor I’ve met has, at some point, asked a version of this question: “Given what’s going on right now, what should I do?” As a financial advisor, I always consider this a reasonable thought. The world is unpredictable: Wars…
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Preparation Over Panic

When a top American business leader starts rattling off reasons to fear today’s market, investors get uneasy. But in the echo chamber of media-made doubt, Jamie Dimon’s recent message got lost. To prepare for the worst, he recommended beefing up reserves, fortifying capital, and stress-testing for varied shocks. He didn’t advise hiding under the nearest desk but rather putting in the work, preparing and carrying on.
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Cyber Fraud: Simple Ways to Reduce Your Vulnerability

Today’s cybercriminals aren’t just after your email password, they’re going after life savings. And their methods are alarmingly effective. Join us for an eye-opening Prosperion EDU session on Cyber Fraud Literacy, led by cybersecurity veteran Ed Bassett.
VUCA by SketchplanationsSketchplanations
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The Antidote to Ambiguity

Toward the end of the Cold War, a new kind of landscape emerged — defined by turbulence, ambiguity and interconnection. In that moment, folks at the U.S. Army War College coined the term VUCA, an acronym for Volatility, Uncertainty, Complexity and Ambiguity.
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Medicare 101: What You Need to Know for 2025-2026

This webinar is designed to help you understand the many parts of Medicare. Whether you're planning ahead, navigating a current transition, or simply want to understand your options better, this session is for you.