hand in a hospital bed with a blood pressure monitor

The Plans You Don’t Make

Most people think of financial planning as being solely tied to numbers. But a quiet assumption is built into nearly every person’s plan, whether they recognize it or not: They assume the future will cooperate. But life never has been, nor will it ever be, linear.
board displaying the odds for a race

When Investing Starts to Look Like Gambling

Not long ago, gambling largely remained in places designed for gambling. Today, those boundaries are fading. While greed is one motivating factor, I’ve often found another emotion equally to blame: anxiety.
maegan keller at shapespace

From Overwhelmed to Organized: Downsizing Made Clear

Join us for a thoughtful and practical Prosperion EDU session, “From Overwhelmed to Organized: Downsizing Made Clear,” presented by Maegan Keller, owner of Shape Space. In this recorded webinar, you’ll gain clarity on how to begin, how to make decisions with confidence, and how to move forward without feeling stuck.
jesse livermore

The Investors Who Disappeared

He was known as the “Great Bear of Wall Street,” Jesse Livermore was one of the best known investors of the early 1900s. But his story is not a happy one. It raises the uncomfortable question: How can someone be so right … and still not succeed?
man sits alone at a table

The First Monday of Retirement

For many, retirement is an imagined finish line. A date circled on the calendar. A number on a statement. A moment when the alarm clock turns off for good and life finally begins to slow down. Every day becomes a Saturday! And then it arrives.
sub sandwich

The $12 Footlong

What does a typical meal cost today? Maybe $12 for a quick stop — or $15 if including a drink. Sit down somewhere nice, and you’ll owe closer to $20. Now fast forward 30 years. The $12 lunch — once only $5 — is headed toward $30.
sand in an hourglass
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The Money Value of Time

Investors often learn about this critical principle in finance: the time value of money. But recently, I began thinking about this from the other direction. If there’s a time value of money, there’s also something I call the money value of time. In the long run, that may matter even more.
calendar displaying "tax day"

Where Tax Mistakes Actually Happen and Why Timing Matters Most: Part 2

Where do those tax problems actually show up, and why do so many thoughtful investors ultimately pay more than necessary? In most cases, it’s not a lack of knowledge that drives this problem, but timing. The biggest tax mistake investors make isn’t misunderstanding the rules; it’s waiting too long to act.
calendar displaying "tax day"

The Hidden Tax on Your Wealth: Part 1

Most investors think about taxes once per year. April arrives, documents are gathered, numbers are calculated and a return is filed. Then, for a while at least, taxes fade into the background. But even before you file that return, several factors have likely influenced your tax outcome, potentially in significant ways.
calm water

Predictability in an Unpredictable World

A great irony of investing is that people crave certainty when the world offers very little of it. Yet beneath all that motion, something remains surprisingly steady: Dividends.
jenga blocks

Where Does Your Risk Live?

Most investors instinctively define risk as market volatility — the uncomfortable reality of stock prices rising and falling over time. When markets drop sharply, the losses feel immediate and visible. Investors see account balances decline, and the headlines only amplify their fear — creating an emotional impact that is powerful and persuasive. But volatility is only one kind of risk.
marquee displaying words "the world is temporarily closed"

When Markets Panic, Memory is the First Casualty

There is a curious trait built into human nature: When something is painful, frightening or deeply disorienting, we don’t just want it to end — we want to forget it ever happened. COVID fits that description perfectly.
scoreboard

The 62-Year Scorecard

Somewhere around age 62 — about the time many people begin thinking seriously about retirement — the focus shifts. The conversation moves from accumulation to preservation, from maximizing growth to ensuring durability. The question is no longer, “How much can I build?” but rather, “Will this last?”
stacked blocks

The Quiet Power of Dividends

They aren’t flashy. They don’t dominate headlines. They rarely fuel cocktail-party conversations or social-media bravado. In a market obsessed with price momentum, dividends can feel like the broccoli of investing — nutritious, dependable and routinely ignored in favor of something more exciting.
man holding an empty wallet

Debt Is Real; Panic Is Optional

Recently, I met with a prospective client who leaned forward, lowered his voice and said, “I have one question — and I want your honest answer. The United States is bankrupt.”