Want the Antidote to Market Worry?

I read an interesting comment Coach Frank Martin made to his U.S.C. basketball team after losing a couple games towards the end of the regular season. He told them, “adversity is part of the deal”. Indeed, that is so in every aspect of life. If the stock market goes down a few days in a […]

How To Deal With Life’s Unexpected Moments?

Life is made up of many unexpected moments, both those that are good, as well as those, not so good. This is exactly what financial planning is about; helping you navigate a path towards your goals, especially when things “go bump in the night”. A few years ago, a documentary film about former Secretary of […]

What if Your Financial Life Wasn’t a Hodgepodge?

Ever wonder why your financial life is such a hodgepodge? While this term has several meanings, in this context, “ a confused mixture” might fit best. If you are like many of folks that we see, your financial life may indeed be “ a confused mixture”. But that isn’t the real issue. The question is […]

Why Rebalance?

Over the past few weeks, we have reviewed several components of our financial planning process and how these can create value for you. Today, we want to discuss rebalancing your portfolio as a critical technique for keeping your investments in sync. The basic purpose of rebalancing is to maintain the overall target asset allocation level […]

What Really Improves Your Investing Odds?

For the past few weeks, we have been reviewing the components that go into the way we bring value to our client relationships. This week, the role of Portfolio Management takes center stage. Your specific goals create the frame for how we approach managing individual portfolios. While goals are the driving force, decades of academic […]

What We Do; What We Don’t

A few months ago we put together a simple two-sided page that outlines our four primary components of value. Taken together, these four factors comprise the functional and strategic ways that we create value for our clients. Financial planning involves much more than just investment returns. We strongly believe that the more clients, prospective clients […]

The Horns of a Dilemma

The financial world is noisy and it’s easy to become distracted from your most important long-term goals. One way to cut through the noise is to focus on just the two factors that ultimately determine your approach to everything else in your financial life; namely, Market Risk and Shortfall Risk. Market Risk is the inherent […]

How to Become a Financial Adult

While recording a podcast recently, the interviewer Matt Halloran mentioned how different our approach to financial planning is versus others. We think this is true for reasons that you may not at first consider. Honed by three decades of working with hundreds of successful individuals, we have a very good idea of what is required […]

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How to Avoid Becoming a Victim

The financial futures of many Americans are being fretted away by brokers and banks. A recent article by author Dan Solin titled The Average Returns Myth describes the hysteria of active mutual fund managers as they continue their mission of selling investors what might be called “The Black Box Hoax”. That is, brokers and banks […]

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Do You Know What You Have and Where it is?

Author and organization coach David Allen says “Your brain is for creating ideas, not storing them”. While that rings true, many of us fall prey to trying to keep up with details of our finances mostly in our head. If everything is neatly pulled together in one or two places, that might work, but most […]

You Probably Don’t Need Advice

Urgency and Advice A large percentage of the individuals who contact us say they need “advice”. What this usually means is that they want a resolution to an urgent problem. The situation is urgent because often it has been ignored and the opportunity for a “painless” remedy has long since passed. They now are faced […]

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The Four Root Causes of Financial Failure

Our mission is to help make our clients’ lives better. That is why we are here. However, some clients undermine their own financial well being by what they do and what they don’t do. Everyone knows the symptoms, but what are the real root causes of financial failure and how can they be avoided? Vague […]

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Are You Overestimating the Risks of Investing?

Where is Your Focus? We are closing in on a decade since the 2007-2009 stock market “meltdown”. Rarely a week goes by that someone I encounter doesn’t refer back to 2007-2009 as a period where they “lost 50%” on their investments. Indeed, the S&P 500 Index declined by 57% from the peak in October 2007 […]

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It’s Not the Global Economy…It’s Your Personal Economy

“Shiny Objects” We don’t spend much time, (and neither should you), trying to predict economic inputs that we can’t influence. However, many of our clients sure worry about the direction of Federal Reserve policy, the price of oil and a myriad of other aspects of economics that simply can’t be controlled. The global economy matters, […]

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The Horizon and Your Perception

The physical horizon is entirely a mental construct…the perception of the visual horizon helps you process space. Perceptions can help in financial decision making also. If you change the perception, you change the problem that you are trying to solve. Your perception of how both positive and negative life events impact your long-term happiness is […]

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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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Is “Headlines Risk” the Biggest Risk of All?

The magic of technology has brought us a brand new risk…”headlines risk”. That is, the risk of reacting to media hype and headlines instead of following your long-term financial plan. While newspaper and magazine headlines have been around for more than two centuries, the urgency and ability to act immediately is new. “Headlines risk” may, […]

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“Quo Vadis”- Where are You Going?

The classical Latin phrase Quo Vadis means “where are you going?” In tradition, the phrase describes the words between Jesus and Peter passing each other on the road outside Rome. This phrase also represents the primary focus of financial planning. Your priorities set the course for the direction you take…towards your destination. “Hand In Hand”  […]




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