Honest investors can attest that stock picking is hard. A strong conviction pick can lead to out-performance one year and under-performance the next. Or, vice-versa. I recently saw a discussion on Twitter among financial professionals based on the following... Continue Reading

The US debt ceiling is all over the news today, so let’s talk about it. Before 1917, Congress had the ability to use the Power of the Purse at their own discretion. In effort to make the federal government... Continue Reading

The Fed raised rates again today - the 10th hike in this current cycle. As a range, Fed funds rate was 0.00%-0.25% just 13 months ago. With today’s hike, it is now set a range of 5.00%-5.25%. The Fed... Continue Reading

What services do you expect from your financial advisor? What are you actually getting? Think about it. Is there a gap between your advisory expectations and the reality? Research from SpectremGroup among wealthy investors shows there’s a massive advice gap in... Continue Reading

Changing jobs and wondering what to do with your 401(k)? You have four options available for your 401(k) plan when changing jobs. Yet, almost half of job changers cash out. A Harvard Business Review study found that approx. 41%... Continue Reading

Making better decisions requires an effective and structured process. Consistently following such a process can be challenging, especially when emotions come into play. Emotions can cloud our judgment and steer us away from the logical path. This generally leads... Continue Reading

Mental health is a key factor in financial health. The money beliefs that you internalized during your formative years, known as personal money scripts, can shape your financial decisions throughout your life. Awareness of these money scripts and their... Continue Reading

Banking systems and FDIC insurance have captured public interest in the wake of the Silicon Valley Bank (SVB) failure. How much do you know about the fractional reserve banking system? In a fractional reserve banking is a system, banks... Continue Reading

The fiduciary standard is one of the more misunderstood and misquoted obligations in financial services. Many financial advisors would say they take on a fiduciary duty. At the same time, many advisors are not truly bound by the standard.... Continue Reading

Have you ever been on a boat in rough waters? Or on a super fast-spinning ride? How about the back seat of a car on a mountain road. These are some of the times when you might feel motion... Continue Reading