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Government Shutdowns, Markets, and the Power of Planning
I’d been debating what to cover in this quarter’s market update for clients, but when I woke up this morning Washington made the choice...
5 days ago5 min read
Getting Ready to Retire at 60: What Needs to Work Together
Retiring at 60 can be a powerful financial and lifestyle decision. It gives you time freedom while you're still healthy and active, but...
Sep 193 min read
High-Yield, Lower-Resilience: Why Income Strategies Can Break When You Need Them Most
There is nothing wrong with capturing yield, just don't rely on it as a bullet proof income strategy. Yield investing has an emotional...
Sep 105 min read
Where Are All the Customers’ Yachts? A Timeless Reminder for Advisors and Investors
“Where Are All the Customers’ Yachts?” is one of those rare books that remains as relevant today as when Fred Schwed Jr. penned it in...
Sep 35 min read
Optimization Is Personal: The Math vs the Mind in Financial Planning
Financial planning is both science and art, a steady balance between math and psychology. You’ll often hear financial advisors talk about...
Aug 294 min read
A Million Seconds Is 12 Days. A Billion Seconds Is 31 Years. Let That Sink In.
You Think You Understand a Billion Dollars. But Have You Reflected on the Difference? Most people think they understand large numbers,...
Aug 143 min read
How Much Do Fisher and Edelman Really Charge? The SEC Filings Say It All.
Most investors will never actually read an ADV Part 2. But they should. ADV Part 2 is the legal filing where Registered Investment...
Jul 302 min read
How to Transition from Concentrated Positions to a Diversified Portfolio (Without Getting Hammered by Taxes)
I see this question all the time (from clients, prospects, and across financial forums): “How do I unwind concentrated positions in my...
Jul 175 min read
What the “Big Beautiful Bill” Means for Your Taxes
Congress just passed major tax legislation on July 4th, and it will affect nearly every taxpayer starting in 2025. Here’s a...
Jul 75 min read
Buffered ETFs Explained: The Real Costs Behind the “Protection”
Buffered ETFs promise to solve investing’s oldest problem: how to participate in market gains while avoiding market pain. The pitch is...
Jul 24 min read
Is Gold Really a Safe Haven? Comparing Gold vs. S&P 500 Annual Returns (1970–2024)
Gold is back in the headlines—up 25% year-to-date (as of May 2025) and 41% over the past 12 months. But before you chase the latest...
Jun 101 min read
Why Most Investors Would Fire God as Their Investment Advisor – The Challenge of Long-Term Investing
What the “God Portfolio” Teaches Us About Investing One of my all-time favorite classic articles is "Even God Would Get Fired as an...
May 221 min read
Why Chasing Investment Returns Is the Worst Way to Pick a Portfolio (or an Advisor)
Looks like a sure bet—just like backtested portfolios. “What are your returns like?” Picture this: Yours truly is hosting a neighborhood...
Apr 124 min read
The Thermodynamics of Investing: Why You Can’t Win, Break Even, or Opt Out
Scientists have spent centuries unraveling the fundamental rules of the universe, and after all that work, they basically handed us three...
Mar 253 min read
Money Talks: Why Investor Fees Could Be Costing You Millions
“The Miracle of Compounding Returns is Overwhelmed by the Tyranny of Compounding Costs.” — Jack Bogle Compounding returns are often...
Mar 203 min read
FedNow: The Instant Payment System You Didn’t Know Existed
The instant payment system you've never heard of. Why Is Your Money Still Stuck in Limbo? For years, one of the biggest complaints about...
Mar 185 min read
When Investment Narratives Fail: Why Diversification Wins
When SPAM Beat Cell Phones: A Reminder That Market Winners Are Often the Ones We Least Expect. If history has taught investors anything,...
Mar 136 min read
Every Investor Has a Thesis. The Market Doesn’t Care.
Even the most logical thesis can fail. Markets can punish conviction just as easily just as easily as they reward it. The Industry’s...
Mar 134 min read
Backdoor Roth IRA Cheat Sheet (2025)
The Backdoor Roth Cheat Sheet This guide expands on our article "Backdoor Roth IRAs and the Pro-Rata Rule: What Investors Need to Know" ...
Mar 73 min read
Backdoor Roth IRAs and the Pro-Rata Rule: What Investors Need to Know
Navigating the Backdoor ROTH I get this question all the time. From clients, peers, and I see it constantly online: “How do I do a...
Mar 17 min read
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