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HowWeSeeThingsDifferently

How We See Things Differently

In many ways, our fee-only approach to planning and Evidence-Based Investing put us squarely on the outside of personal finance. That’s ok. The world has slowly but surely been moving in our direction for a number of years. The substance of our philosophy has changed very little over time. We believe it works. We see […]

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ThePredictionSeason

The Prediction Season

As the popular Christmas song recorded by Andy Williams (and more recently by Garth Brooks, Harry Connick, Jr and others) says, “it’s the most wonderful time of the year.” However, this time of year can also be the most dangerous time for investors. The next few weeks will find us deep within the “silly season” […]

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Four Steps Towards Financial Independence

Most investors obtain their understanding, (or misunderstanding), about personal financial issues from heavily biased sources (like investment providers). There is a better way, where your financial health is concerned. Here are four specific steps that will improve the probabilities of success. Commit to learning about financial market history and the academic findings, (evidence), which constitute […]

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Four Cures for Scares and Surprises

Most of us don’t like to be scared or surprised. However, coming to grips with these innate fears is an important ingredient in a successful investing experience. Regardless of your age, be it 50 or 80, trying to avoid these fears creates a problem in making financial decisions. Where is your focus? Investing is a […]

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thingswillhappen

Things Will Happen: What’s Next?

Life is a series of things: things you know will happen, things you hope will happen, things you hope will not happen. Which of these most accurately describe your financial life? On measure, I would submit that based on hundreds of real-life scenarios, most individuals who come to us focus on the middle category, the […]

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5 Things Financial Planning Can’t Do

It’s easy to talk about the positive, sometimes life changing value that financial planning can provide. That said, however, there are a few things that financial planning can’t do. 1. Financial Planning can’t make you a saver. Many of the prospective clients we see are way behind in saving for their financial future. The planning […]

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Are your financial planning guardrails in good condition?

Financial Planning Guardrails

 We are all familiar with guardrails on highways. They are put there to keep a simple mishap from turning into a full-blown catastrophe. If you go a little off course, the rails help you regain the path towards your destination. Financial planning functions in the same way by keeping you on path towards your financial […]

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Valuable Financial Advice

What Makes Financial Advice Great?

Trying to determine what makes financial advice great may not be as difficult as imagined. A recent research report from mutual fund giant Vanguard Group, Inc. (Putting a Value on Your Value), identified 5 primary factors where financial advice renders substantial, quantifiable value. The most significant value, (1.5% per year according to Vanguard’s research), is […]

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