man praying on top of mountain
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Improving Investor Behavior – Deciding on Enough!

At a party given by a billionaire on Shelter Island, the late Kurt Vonnegut informed his friend author Joseph Heller that their host, a hedge fund manager, had made more money in a single day than Heller had earned from his wildly popular…
box of chocolates
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Many Americans Face a Bitter-Sweet Early Retirement. What Should They Do?

He was sitting on a bus stop bench outside a tranquil park, wearing a khaki suit, checkered blue shirt and sneakers. A plain white box rested on his lap when he greeted a stranger and offered her a chocolate saying, “My Mama always…
Danny Kellogg
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Why Am I Here?

Why am I here?  Well, there’s an existential question for reflection.   I pose this question not to discuss the meaning of our lives, but instead to share why I chose to join Prosperion Financial Advisors and build a practice as…
single tree

Improving Investor Behavior: Where are all the Good Investments?

Read any financial website, and you'll find a common thread among the headlines: the market is overvalued. By several historical measures, the stock market appears to be ahead of itself. Valuations are high, and value-focused investors like…
Contractors install siding

Improving Investor Behavior: Sometimes Nothing is the Hardest Thing to Do

The United States has embarked on a historic economic experiment. Initially, $1.9 trillion was borrowed by our government to fund the American Rescue Plan (ARP). So far, the government has committed more than $5 trillion to support our nation…
Open Sign
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Improving Investor Behavior – Progress and Perspective

Headlines would have you believe COVID has left Americans in financial tatters, but when looking at the broad data, I can't make the same conclusion.   Make no mistake, COVID and the resulting restrictions have left a great many people…
Woman doing taxes
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How Women Business Owners Can Save For Retirement And Reduce Taxes

Women are expected to live another 21 years after retiring at age 65––three years longer than their male counterparts. Despite this fact, women are shockingly ill-prepared for retirement, having fewer investments and less money saved on…
shopping at the market

Intelligent Investing: Overcoming Inflation Using a Familiar Friend (Part 2)

For investors, inflation is the erosion of your money, a "cancer," if you will. It is the slow, subtle decline in what your money buys or the purchasing power of your money. Last month we covered what inflation is, how it works, and where…
Citrus fruit in a grocery aisle
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Improving Investor Behavior: Understanding inflation, the cancer of retirement planning (Part 1)

One of the greatest challenges to retirees and investors alike is inflation. Not only is this principle often forgotten, but rarely understood. So let's discuss inflation: what it is, where it's been, and where it might be going in the future. How can you as an investor combat inflation over long periods of time, helping to ensure that the purchasing power of your money remains unchanged for years to come?
Gold bars and coins

Why Do People Really Buy Gold And What Are The Alternatives?

Warren Buffet once said, “Gold gets dug out of the ground in Africa, or someplace. Then we melt it down, dig another hole, bury it again, and pay people to stand around guarding it. It has no utility. Anyone watching from Mars would be scratching…
Carved pumpkins

Improving Investor Behavior – Fear: Acknowledged and Avoided

It’s that time of year again when pumpkins start appearing on porches and horror movies are on TV. Halloween is when we indulge in our fear each year. We welcome it into our homes, knowing the temporary fright is sure to pass and make way…
Capitol Building

What Are You Doing on November 4th?

Election Day, Tuesday November 3rd, is only a week away. While 2020 has been historic, it seems that everyone has a dramatic expectation of what will happen in the investment markets, as if it will be the "next" big 2020 disruption. This morning…
Woman viewing a laptop
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Your Comprehensive Financial Planning Guide For Women

Over half of the wealth in the U.S. is controlled by women.[1] You are probably reading this because you are one of those women. Finances can be intimidating, so I have dedicated my career to helping women like you gain the confidence to take…
I voted stickers
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Improving Investor Behavior: Keep Politics Out of Your Portfolio

With the election a short 45 days away, the news stream is unrelenting. Political TV ads, postcards, and of course those phone calls during the dinner hour - it’s an all-out media assault designed to convince you that if the “other guy”…
Person holding viewing glasses

Improving Investor Behavior: Blind Spots & Confirmation Bias

We talk a lot about perspective in this article. Our perspective is the lens through which we view the world. It is our way of framing everything we see and ultimately defines how we react to what life throws at us. We believe what we believe…