March 14, 2019

Many folks who have just begun working with us are surprised by how our planning process starts. We don’t begin by talking about IRAs, 401(k)s, or how much you’re saving. Instead, we begin by talking about you, not your money.

Putting your life before your financial pla...

March 7, 2019

Young children are prime targets for identity theft.  Why?  They have valid Social Security numbers and clean credit records.   Credit agencies don’t report age so no one knows how old they are.  And, since neither they nor their parents often check the child’s credit,...

February 14, 2019

A popular online movement wants to make 40 the new 65.

FIRE stands for Financial Independence Retire Early. The idea is that by working as hard as you can and saving as much as you can as soon as you enter the workforce, you can become financially independent and retire...

February 6, 2019

Recent research by Vanguard shows that between 30% and 50% of clients do not get a financial plan from their investment advisor and that the smaller the client’s portfolio, the less likely they are to get one.  In other words, the focus is on portfolio management versu...

January 31, 2019

Don’t pass up your chance to get in on one of the best investment vehicles available anywhere: the Health Savings Account (HSA).  What is an HSA and who can get one?  An HSA is an account where pre-tax earnings can be deposited, up to $3500 per year for individuals and...

December 11, 2018

A hamster in a wheel.

Have you ever watched a hamster running in a wheel? All that running, all that effort, day after day after day … But the poor little critter never really gets anywhere, does he?

Many of us feel the same way about our money.

More specifically, we feel...

September 28, 2018

For many people, the focus of financial planning is Return on Investment (ROI). Returns are important, but once you’ve invested intelligently in a diversified portfolio, there’s not much more to do; returns are what they are. More important, and more within your sphere...

September 12, 2018

Time to get edgy and risk offending some people.  Here’s a slightly edited comment I made on a New York Times article entitled “The Recovery Threw the Middle-Class Dream Under a Benz.”

Old “Right Thing.”


1. Real wealth comes from investment portfolios, not salar...

April 17, 2018

In a previous blog I touched upon factor-based investing, noting the factors of equity, size, value and profitability. I briefly mentioned “smart beta,” with a promise of more to come.

According to Investopedia, “[b]eta represents the tendency of a security's returns to...

April 3, 2018

Here it is, the secret to investing like Warren Buffett.  What does it mean?  Basically it says that, all other things being equal, the stocks of more profitable firms should outperform the stocks of less profitable firms.  The profitability factor is the Warren Buffet...

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What’s my retirement number?

It’s a catchy title but over-simplified.  Is it the answer to the question “How big does my portfolio have to be so I can...

What's my Retirement Number?

January 17, 2018

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September 28, 2018

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