Better decisions

Making the right decisions on where you invest takes a process.  It requires goal clarification, evaluating risk and reward, understanding cashflows and liquidity, having a known time horizon, and of course taxes.  Asking yourself four fundamental questions before you...

Mistakes with cash

There are 3 common financial mistakes families and professionals make when managing their cash.  In no particular order they are: Holding too much or too little Chasing a return or yield Lumping all your cash in one account Last April, you may have wished for more...

How much time do you have?

How much time do you give your investments to grow before making changes to your portfolio?  According to recent studies, the average holding period on equity based mutual funds is just over 3 years.  Why so short?  My guess is that most investors are impatient and...

Book club suggestion

I just completed reading The Price You Pay for College, An Entirely New Road Map for the Biggest Financial Decision Your Family Will Ever Make, by Ron Lieber.  This book was released earlier this year post pandemic and provides a tremendous amount of insight into the...

Busted Bracket

Well, I’m completely cooked, my bracket is toast after the first round of the NCAA tournament!  Filling out your bracket with your favorite picks is a fun gamble that may or may not pan out.  Quite the opposite of financial planning which allows for more inputs in...