Rock Pile

My Four-Initiative Plan for Client Service in 2024

As we traverse into 2024, it's that time of the year again where our fridges get filled with salad, gyms see a spike in memberships, and our savings accounts (we promise this time) will hold more than just dust. Yes, you guessed it right, it's…
sale displays

The Value of a Sale

Did you partake in any Black Friday sales last year? The annual shopping event following Thanksgiving, named black Friday for its ability to get retailers “back into the black,” had retailers concerned in 2023. With prices rising everywhere…
house
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Is Your Home an Investment?

The former home of Groucho Marx, the cigar-chomping, round-glass wearing comedian of the 1920s, is up for sale in Long Island, New York. For the low price of just $2.3 million, you too could own the five-bedroom, 3,800-square-foot home built…
coffee and pad of paper
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45 Years, 25 Lessons

A few weeks ago I attended the retirement party of someone I’ve called a dear friend for over 49 years. Long ago, we were both young financial advisors chasing similar career paths. We even migrated to independent businesses around the same…

Medicare 101: Understanding Your Options & Eligibility

https://www.youtube.com/watch?v=ukA72xt2oR0 Navigating the complexities of Medicare is both a necessity and a burden. A variety of coverage options, pricing, and public/private coverage can leave people feeling uncertain and discouraged. With…
nixon outside white house

Where Were You 50 Years Ago?

October 2023 marks the 50th anniversary of one of the most tumultuous months in American history. Do you recall the events of October 1973? October 6, 1973 – On Yom Kippur, the most sacred day in the Jewish calendar, Arab states led…
compass on newspaper

The Pro’s and Con’s of Passive Investing and When To Engage a Financial Advisor

Passive investing, an investment strategy aimed at maximizing returns over the long run by keeping the amount of buying and selling to a minimum, is a popular choice for many. However, like any financial strategy, it has its pros and cons. To…
chess pieces

FOMO No “Mo”

The 'Twaddle Tendency' is a term coined by Charles T. Munger, an American investor and philanthropist, to describe the inclination of people to have opinions and hold beliefs about subjects that they do not fully understand. It's a potent cognitive…
Alarm clock sitting on a table

Let Compounding Run Wild

Albert Bartlett's quote, "The greatest shortcoming of the human race is our inability to understand the exponential function," encapsulates a profound truth about human understanding and financial growth. The principle of compounding, represented…

Discovering & Upholding Your Values:Decisions About Care & Housing

https://www.youtube.com/watch?v=CXJUb8hu3RU As we age asking for help can be a challenging decision, especially when exploring options for housing and care in later years. Evaluating choices, determining costs, and reflecting on the ability…
historic portraits

Learn From the Past; But Don’t Be Bound By It

Understanding our past is akin to peering into a mirror, reflecting not just the events that have transpired, but the choices and the intricacies of human nature that have woven the tapestry of our history. The lessons we glean from our past…
fortune teller sign

Forecasting: An Illusion of Knowledge

Have you ever tried shaking one of those magic eight balls found in the toy aisle? You know the gist: Ask a random but important question like, “Will the Broncos win the Super Bowl this year?” Then get a generic answer like, “Ask again…
Nick Saban on fieldLOC

Hold Strong Beliefs Loosely

In Streetlights and Shadows, Gary Klein posits that while procedures and rules provide structure and predictability, they can also inadvertently undermine expertise by stifling the very spontaneity and intuition that often lead to innovative…
friends in a field

Never Compromise Your Values: A Financial Perspective

"When your values are clear, your decisions are easy." This quote from renowned financial advisor, Bill Bachrach, serves as a cornerstone in the world of personal finance. At first glance, it may seem like another inspirational quote, but its…
hand over chart

How Your Financial Plan Should Drive Your Investment Allocation

In the world of finance, there is a popular sentiment that aligns with the philosophy of the renowned investor, Warren Buffett: "Do not save what is left after spending, but spend what is left after saving." This nugget of wisdom speaks to the…