Plan Archives | Prosperion Financial Advisors

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.

Plan

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…

Plan

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…

Invest, Plan

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…

Invest, Plan

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.

Sketchplanations

Advisor Favorite, Plan

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.

Invest, Plan

The Certainty of Uncertainty

Remember that as investors, we are constantly on the precipice of uncertainty. We can never confidently know how anything will play out. No one can. So what should we do? With everything changing, we think we should be adapting. New circumstances require portfolio changes, right?

Plan

A Retirement Pay Raise You Don’t Have to Ask for

What if there were a way to raise your income during retirement — one that doesn’t require working or selling off your possessions? Let me introduce you to the quiet but powerful concept of dividend growth.

Families, Invest, Plan

History Over Headlines

Perspective is in increasingly short supply right now. Business news and market commentary is ever focused on urgency. But good investor behavior requires thinking long-term, staying grounded, and resisting the belief that daily market machinations are important enough to warrant changes.