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What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

Thursday, August 11, 2022

Things like asset allocation and investing strategy are important, but they make up only one part of an integrated financial planning and investing process. To get the other essential ingredients you need an expert who can assess your uniqu

Thursday, August 4, 2022

Retirement is supposed to be a time of increased freedom and happiness. After all, when you no longer need a job to provide your living, you can pursue the things you never had time for before.However, for many people, the thought of...

Thursday, July 14, 2022

It's tough to lose after you've only known winning. And a similar reckoning has arrived for many investors (especially younger ones) who have never experienced anything but a rising market.

Thursday, July 7, 2022

It's not news to anyone that the first half of this year has been rough on investors. After reaching record levels at the end of 2021, the market has experienced six months of volatility and decline.1 In fact, coming on the heels...

Thursday, June 30, 2022

Just as you're planning for your financial needs in retirement, you should also be planning for ways to spend time having fun. They go together. And how you plan to spend your days should be part of your conversation with your trusted advis

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Thursday, June 23, 2022

In the musical West Side Story, several of the characters who are recent immigrants to New York debate the pluses and minuses of their new home in the song "America."1The young women sing:Skyscrapers bloom in AmericaCadillacs zoom...

Thursday, June 16, 2022

When it comes to stocks, it's easy to have a short memory. Everybody seems focused on what's happening today and the near future. What are the pundits saying about this week? What are the forecasters predicting for the next...

Tuesday, June 14, 2022

It’s true, recessions happen. Generally speaking, they consist of two consecutive quarters of negative GDP or a significant decline in economic activity that is spread across the economy and lasts more than a few months1....

Tuesday, June 7, 2022

Many people assume successful investing comes from picking winners.The way you win is by producing alpha and outsmarting the market.There is an infinitesimal percentage of the population that can do this consistently over the long haul...

Thursday, June 2, 2022

On its face the strategy of "buying the dip" seems much more measured than merely trying to identify low-cost stocks that are destined to become the next Apple. But it's still a risky strategy.Just like it sounds, to buy the dip is to...

Thursday, May 26, 2022

Since the earliest days of trading goods, humans have looked for ways to decrease risk by sharing a cut of the profits. For example, it wasn't seen as wise to invest all your capital in a single ship. If it sank, you'd lose everything....

Thursday, April 28, 2022

Thursday, March 24, 2022

Thursday, February 24, 2022

Thursday, February 24, 2022

Monday, February 21, 2022

Thursday, February 10, 2022

Thursday, January 20, 2022

Thursday, December 9, 2021

Friday, November 19, 2021

Many of us know the basic details of the Pilgrims: How they left England and came over on the Mayflower. How they all nearly died that first winter. And how they survived with the help of an English-speaking Native American named...

Thursday, November 11, 2021

In 1989 Steven Covey published The 7 Habits of Highly Effective People. Having sold more than 25 million copies, it remains one of the most popular self-help books of all time. And Time Magazine listed it as one of "The 25 Most...

Thursday, October 28, 2021

The words "speculating" and "investing" often get used interchangeably. And that's not surprising, since they describe somewhat similar concepts. In both cases, you are laying out money with the hope of gaining a return in the future....

Thursday, October 28, 2021

The words "speculating" and "investing" often get used interchangeably. And that's not surprising, since they describe somewhat similar concepts. In both cases, you are laying out money with the hope of gaining a return in the future....

Thursday, October 21, 2021

Halloween, as comedian Jerry Seinfeld pointed out, is the best possible holiday a child can imagine.1 You simply go door-to-door and the neighbors give you handfuls of candy for free. But according to Kerry McDonald, trick-or-treating...

Friday, October 15, 2021

Chris Sperry, a consultant who works with young baseball prospects, tells about a lesson on discipline he'll never forget.1 He was attending the American Baseball Coaches Association convention, where for two-and-a-half days more than...

Thursday, October 7, 2021

In 2007 housing prices did something that was unthinkable at the time. They started to go down. And by the end of 2008 the Case-Shiller home price index reported its largest price drop in its history, a contraction of 18%.1 Homeowners...

Thursday, September 30, 2021

Gloria (not her real name) was furious with her financial advisor. She wanted to move some money out of one of her accounts and her advisor, Melissa, told her she was hesitant to help with the transaction.1 How dare her advisor intrude...

Thursday, August 26, 2021

This coming Labor Day will be characterized by backyard barbecues, back-to-school sales, and many employees enjoying the federal holiday. But few people will stop to consider what this day represents in the transformation of what it...

Thursday, July 29, 2021

In his classic detective story The Purloined Letter, Edgar Allen Poe tells how an embarrassing letter has been stolen (purloined) from the French Queen to be used for blackmail. The authorities believe they know who took it, and order...

Thursday, July 29, 2021

In his classic detective story The Purloined Letter, Edgar Allen Poe tells how an embarrassing letter has been stolen (purloined) from the French Queen to be used for blackmail. The authorities believe they know who took it, and order...

Monday, July 19, 2021

Soul Crafting with Tanushree Interview

Thursday, July 15, 2021

Tony Dungy, who is remarkable for winning a Super Bowl as a player and then doing it again as a head coach, has a simple philosophy for dealing with tough situations. "You can't always control circumstances," says Dungy. "However, you...

Monday, July 12, 2021

It's hard to think of a more all-American investor than Warren Buffet. His company, Berkshire-Hathaway, is located not on one of the coasts but in Omaha, Nebraska. The firm's wholly-owned subsidiaries include such heartland favorites...

Monday, July 12, 2021

Monday, July 12, 2021

Thursday, July 1, 2021

If you've ever listened to the radio show hosted by personal finance guru Dave Ramsey, you know that most of what he says is for the benefit of people in financial trouble. They're seeking his advice to get out of debt, put more into...

Thursday, June 24, 2021

Isaac Newton, inventor of calculus, discoverer of gravity, godfather of modern optics, and the first to describe the laws of planetary motion, wrote, "If I have seen further (than others) it is by standing on the shoulders of Giants."...

Thursday, June 24, 2021

Thursday, June 17, 2021

What happens when the predictions are wrong? Is it time to panic? Is it time to ditch our strategy? It's a fascinating question because it cuts right down to the question of what it means to live in an uncertain world. Humans are...

Thursday, June 17, 2021

Notorious criminal Willie Sutton was once asked why he chose to rob banks. He replied, “Because that’s where the money is.”1 Fortunately, the vast majority of people don’t pick up a gun to rob financial...

Thursday, June 10, 2021

talking about the way he handled his finances, comedian Steve Martin said, “I love money. I love everything about it. I bought some pretty good stuff. Got a $300 pair of socks. Got a fur sink. An electric dog polisher. A...

Tuesday, June 8, 2021

Thursday, June 3, 2021

With COVID infections dropping and pandemic restrictions easing, that summer trip you’ve been wanting to take is now a real possibility. While businesses that serve travelers—like restaurants, hotels, and airlines—are...

Thursday, May 27, 2021

Roy Sullivan was enjoying a quiet Saturday morning of trout fishing when the lightning bolt struck. It hit him on the top of his head and exited his lower body, causing burns down his chest and abdomen. Stunned by the strike but still...

Friday, May 7, 2021

"Believe in yourself. You can do it!" This is the message in about 75% of today's movies. And about 100% of graduation speeches. But as much as we hear this advice, we're still a little skeptical that all you need for success in life...

Monday, April 5, 2021

Thursday, March 25, 2021

Many investors want guidance from experts who can tell them what the stock market will do in the near future. It doesn't matter if these experts are consistently inaccurate or even if they're wrong more often than predictions based on...

Monday, March 22, 2021

Monday, March 22, 2021

Friday, March 12, 2021

Friday, March 12, 2021

So, the next (final?) round of stimulus was signed into law by President Biden. Let’s dive in. The $1.9 trillion bill called the American Rescue Plan Act of 2021 includes stimulus checks, child tax credits, jobless help,...

Wednesday, March 10, 2021

Thursday, February 18, 2021

When people get lost in the woods, they invariably do one thing. They run (or walk as fast as they can) to get away from the place where they feel lost. Sadly, this action often takes them in a circle.1But wait a minute, you say. That...

Wednesday, February 17, 2021

There’s a lot we could be talking about this week. The pandemic. Vaccination rates. Earnings. Impeachment. Markets. Stimulus bills. Instead, how about we talk about something nice? What makes you happy? What does...

Tuesday, February 2, 2021

By now, the online mobile stock trading platform Robinhood has become part of everyday conversation. As of 2/1/2021, a Google search of Robinhood returns a staggering 225M hits!If you read many of the news stories, one can assume if...

Friday, January 29, 2021

Did you hear GameStop went viral? Here’s a quick guide to the market frenzy you’re seeing in the headlines. Long email ahead. (Buckle up, it’s a little complicated.) What is GameStop and why does everyone care?...

Wednesday, January 27, 2021

Tuesday, January 26, 2021

Tuesday, January 26, 2021

After months of election uncertainty, Joe Biden was inaugurated as our 46th president, bringing the peaceful transfer of executive power that defines us as a democracy. President Biden’s pen has been busy, busy, busy so...

Wednesday, January 13, 2021

Does it feel like 2021 yet? The twists and turns so far make it seem like 2020 is dragging into a second season. As an American, I’m shocked and worried, and I’m wondering how political disagreements turned into excuses for...

Wednesday, December 9, 2020

Tuesday, October 10, 2017

Investment Fees — What Non-Investment Advisors Should Understand

Thursday, July 6, 2017

Planning for College Without Going Broke Paying for college is one of the largest expense you will have in your life. A four-year degree can cost as much as $250,000. Most parents are wondering, “How I am ever going to pay for...

Thursday, June 1, 2017

According to a survey conducted by the Rebalance IRA investment management firm, 46% of people between ages of 50 and 68 believe they are not paying any fees in their retirement accounts. 19% believed they are paying less than .5%....

Tuesday, May 23, 2017

May is Disability Awareness Month 2 of the biggest myths about Disability That it doesn’t happen to younger people It is the result of work related accidents Statistics Over 1 in 4 of today’s 20 year old’s will become...

Monday, February 27, 2017

by Stephen, Jean Mathieu, Legacy Financial Solutions, Inc. & Dawn Santoriello, DS Financial Strategies One of the great challenges facing every business owner is how to get money out of their business in the most tax efficient manner...

Tuesday, January 31, 2017

What comes to mind when you think of protecting your house from natural disasters such as hurricanes or floods? Most would rely on their homeowner’s insurance or flood insurance to keep them comfortable and make them whole;...

Monday, January 18, 2016

Non Tax-Qualified Mutual Funds and Stocks Pros: Unlimited upside gains, can be sold at any time Cons: Not guaranteed. Unlimited downside losses. Any growth is taxed when sold, or each year if there are short term capital gains which...

Monday, January 18, 2016

There are primarily two things you should expect in a qualified plan (aka QP): First of all, they defer the payment of taxes (but they do not necessarily save taxes). Secondly, they defer the tax calculation. Let me illustrate how QP’s...

Monday, January 18, 2016

The 4 reasons to have a mortgage are: You don’t have enough cash to pay for the house The tax deduction The potential spread between what your money can earn and the cost to borrow money. The most important reason is to have liquidity,...