Blog

For most of the past 15 years, investors had a relatively easy argument for owning stocks: There weren't many attractive alternatives. Bonds returns have been muted or negative over much of the past decade. Crypto has been volatile. The... Continue Reading

Most people approach financial decisions by trying to find the right answer. Should I pay off the mortgage or invest? Roth or traditional 401(k)? Sell the business or keep growing it? Retire now or work another few years? When... Continue Reading

For decades, the traditional 60/40 portfolio was considered the foundation of long-term investing. Allocate 60% to stocks for growth and 40% to bonds for income and stability, rebalance occasionally, and let compounding work over time. It was simple, easy... Continue Reading

A client recently asked me how I think AI will improve financial planning. They also asked if I have concerns about how it might upend advisory relationships. Every industry is trying to figure out what artificial intelligence will disrupt... Continue Reading

Every time a major company goes public through an IPO, the hype machine goes into overdrive. Financial media covers every detail. Social media starts buzzing. Investors rush to buy shares. It creates the impression that getting into an IPO... Continue Reading

One of the most common misconceptions in investing is that more investments automatically mean better diversification. Recently, I reviewed a new client’s taxable investment account that contained more than 250 individual holdings. While that might sound sophisticated on the... Continue Reading

“Business financial planning” has quietly become one of the most searched topics among business owners. And it’s not by accident. Something has shifted. Owners are realizing that running a profitable business isn’t the same as building wealth. And, more... Continue Reading

Most business owners don’t think about exiting until something forces the conversation. An offer shows up, burnout sets in, or the market feels too good to ignore. What owners don't realize is by then the outcome is already determined.... Continue Reading

There’s a quiet risk sitting inside almost every successful business. It doesn’t show up on your P&L. It’s not obvious on your balance sheet. And it won’t hit you until you start thinking about stepping away. It’s called the... Continue Reading

Many financial planning conversations center around one question: where should your next dollar go? Most people don’t have an income problem. They have a decision problem. Money tends to show up. Clarity on what to do with it… that’s... Continue Reading