To move or not? 

Our neighborhood, probably like yours, has seen a lot of houses up for sale and then quickly under contract the past several months.  It’s an exciting time to be a seller, pretty stressful if you are a buyer and want your contract to stand out among the crowd. ...

Biking & Planning 

Dust off your bike and pump up your tires, this Friday, May 21st is National Bike to Work Day!  Many of us are still working from home so biking into work may not be possible.  That’s ok as riding around your neighborhood or exploring a new trail works just as well. ...

Currency or Investment?

I’ve been pondering a question on the role virtual currencies play as part of a financial plan.  I’m not speaking to a particular currency as there are over 6,000 choices.  As more become available, what purpose do they serve in a planning context?  Are they to be...

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...