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Then & now…

Then & now…

Imagine updating your financial plan in January, April, or December of 2020.  How might the plan outputs at various dates have impacted your behavior and financial choices?  What other life decisions may positively influence your approach to planning? January 2020: ...

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Why diversify?

Why diversify?

What’s the purpose of diversification with regards to your investments?  Why not just own companies you know well or stick with your employer’s stock?  What other diversification strategies should be considered when creating a financial plan? It’s important to...

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It’s not perfect and that’s ok

It’s not perfect and that’s ok

A financial plan is never perfect or fully complete, it evolves over time as you do.  This may not be as intuitive as it first sounds.  If a plan is not perfect, why spend the time and energy in creating one in the first place?  Does it really make a difference if you...

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Suggested reading

Suggested reading

I just completed reading Fortune’s Children, the fall of the House of Vanderbilt by Arthur T. Vanderbilt II.   This is the life story of the Vanderbilt family and its founder, Cornelius Vanderbilt.  The Commodore as he was called, had a passion to amass the largest...

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Sin Limites 

Sin Limites 

Sin limites means limitless in English.  It’s also the name of a nonprofit organization that has been created to enrich the lives of the Guatemalan people.  What we take for granted every day in our country, even during a pandemic, is often a struggle for those...

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12 months ago…

12 months ago…

I left my previous firm of 23 years.  It was a huge move to make, one that required an exhaustive amount of planning, timing, and frankly some luck.  Driving this move was my beliefs, vision, and passion to serve clients in a manner that did not require product quotas...

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Then & now…

Why market timing doesn’t work

The successful long-term investor who stays the course, works a plan, and continues to invest is progressing closer to their goals today.  As painful as it feels to sit still and not flinch when markets contract, the patient investor practices discipline and is...

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It’s not perfect and that’s ok

Now What?

With election day behind us and two months remaining in the year 2020, what are the best things to be thinking about or doing as we approach the holidays and yearend?  Here is a list of things I’m reflecting on personally with regards to my own financial house: Be...

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Financial Tricks or Treats?

Financial Tricks or Treats?

Tricks: (Don’t start doing these things – or stop if you already have). Borrowing more than necessary Confusing volatility with risk Mixing politics with your investment choices Assuming your 401k alone will provide you the lifestyle you desire when you repurpose your...

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Three numbers that matter…part 2 of 2

Three numbers that matter…part 2 of 2

In our prior post, we covered the historical, real life returns of large companies compared to bonds after accounting for inflation.  We determined that you must have a plan before selecting investments.  Not doing so causes you to lean on outputs that are out of your...

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