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Wednesday, January 14, 2026

Think back for a moment to the early part of last year. The stock market fell nearly 20-percent from the middle of February to early April. It almost met one widely held definition of a crash and caused plenty of people to wonder if...

 

Monday, December 8, 2025

Imagine some of the things that scare you. I’m guessing you’re envisioning scenarios that you’d prefer to avoid. Now, think about embracing all that, which is a potentially unpleasant idea, but that’s exactly what financial planners...

 

Monday, July 21, 2025

Ne Dis Jamis, Jamis (Never Say Never) It wasn’t too long ago that I thought I was finished accumulating financial planning credentials, but now I’m proud and more than a bit relieved to say that I’m a CDFA® professional. That stands...

 

Thursday, May 1, 2025

One of my favorite phrases that perhaps I quote too often comes from Warren Buffet who says, the stock market is designed to transfer wealth from the impatient to the patient. That’s not an exact quote, but you get the idea. When the...

 

Friday, January 12, 2024

It’s one thing to acquire a special set of knowledge, but it’s something completely different have the means to share that knowledge with others.  So it goes with my current devotion, the desire to prove convincingly...

 

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Monday, June 5, 2023

There’s potential danger lurking in the economy that could very easily cause you to run out of money during your retirement, even if you have planned well.  It’s inflation – a potential economic time-bomb and I...

 

Monday, June 5, 2023

 The seemingly endless discussions about the pros and cons of capitalism often fail to include one, simple element that can make it work beautifully for scores more people than it does now.  That element is simply this, but...

 

Wednesday, April 5, 2023

A confession – I’m a child of the 1960s and I cannot remember a time in America more confusing than these.  Homeless men and women sleep on the streets in bigger numbers than I could have ever imagined when I was young...

 

Tuesday, April 4, 2023

The words of Michael Jackson echoed in my mind when I received my final* financial planning designation, the CLU®, short for Chartered Life Underwriter®.  Now I’m happy to report that I have four sets of financial...

 

Thursday, September 15, 2022

Maybe you’ve heard the chatter in the financial media about fiduciaries and what to expect if you hire one.  A prospective client asked me recently if I was a fiduciary, because he heard the term on a radio show.  I was...

 

Thursday, September 1, 2022

There’s no appropriate way to tell someone whether or when to attend church, or any other religious service. That’s a deeply personal decision and one I believe individuals should make absent of any...

 

Monday, January 4, 2021

Perhaps reflection on the year that has passed can now include some facets of life that deserve to be underscored as epic achievements. The challenges, the upheaval, the insanity that was the year 2020 included monumental peril and we...

 

Monday, June 22, 2020

Here’s one telling side-effect from the world-wide pandemic and it has nothing to do with the virus itself. Instead, it centers on the inordinate amount of time one father is spending with his ten-year-old son. Young August...

 

Monday, June 22, 2020

There are still many of you reading this who are old enough to remember 1968, perhaps one of the most important years in the nation’s history. Its striking resemblance to this year is hard to ignore – the protests, the...

 

Saturday, March 14, 2020

Let's start here, don’t panic. If you view the causes of the recent stock market gyrations from a financial planning prospective, they’re not nearly as important as this fundamental truth: stock market corrections, crashes...

 

Saturday, January 18, 2020

I’d like to go on a journey through time with you. Let’s travel into the future, roughly one year from now, then capture your reflections on 2020. How will it look? The answer – however you wish. Yes, there is the...

 

Tuesday, November 19, 2019

So here we are, heading into probably my favorite holiday of the year, Thanksgiving and what do advertisers want us to see – Christmas ads, gobs and gobs of Christmas ads. They’ve got ads about cars and electronics and...

 

Monday, October 7, 2019

Everything’s Going to Be Alright Maybe you remember the lyric from the Bob Marley song, “No Woman, No Cry.” It came to mind while I was pondering some of the conversations I’ve had recently with clients and...

 

Monday, October 7, 2019

Age is a wonderful thing. If you let it, it can produce wisdom and I did my best to infuse a touch of it in a note I wrote to a young man, who was leaving middle school to start high school. My hope is that by turning it into an open...

 

Friday, May 31, 2019

Picture yourself in the most relaxed state possible. You're feeling Zen. Maybe you hear birds, or maybe you're having the perfect massage and there's no hope that you'll stay awake through the whole thing. That's exactly the state of...

 

Friday, May 31, 2019

Think of every single mistake you've made in life. I've made plenty, more than I can count, but that's not important now. What's important, in my opinion, is that you place all of those mistakes in a giant mental bucket and pour them...

 

Friday, May 31, 2019

Please allow me to share a bit about a recent conversation I had with a friend of mine recently. It was impossible to miss the sorrow infused in a discussion I had with him recently. He shares the same birth year as me. We were both...

 

Friday, May 31, 2019

There was a heaviness in my home during the 2018 holidays, that’s typically overflowing with joy, because of the reality involving my mother’s health. I’m saying this to inform and to offer a plea. My mother has...