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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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Why market timing doesn’t work

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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Now What?

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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Three numbers that matter…part 2 of 2

Three numbers that matter…  part 1 of 2

Before crafting a financial plan, before creating an investment policy statement, before you invest, it’s important to recognize and be familiar with three numbers.  These three numbers by themselves will help you make sense of what risk is, what it is not, and what...

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Financial Tricks or Treats?

Open Enrollment arriving soon…    

Open enrollments will begin for many companies in the coming weeks.  In an effort to be prepared before your window opens, consider reviewing the following outline.  This may allow you to organize your “insurance” choices in advance before your employer’s enrollment...

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Wealth Creation

Wealth Creation

Sustainable long-term wealth is built slowly - especially during these uncertain times.  It’s not the big return years we naturally think of, such as 2017 and 2019, that make the largest impact.  Likewise, it’s also not the years 2012-2016 when we look back in the...

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