It’s good to give

One question that comes to mind when thinking about giving is how much?  How does one determine the correct amount of a gift?  It’s a personal decision, there are no right or wrong answers.  Giving is a popular topic around the holidays, here’s some considerations...

Who We Serve (part 2)

Last August I wrote about who we serve and the similar traits our clients share.  Each household is unique and has their own goals.  What’s driving the trend in similarities? In our business and all businesses, it’s important to know who your clients are.  What do...

Tricks or Treats

This year there seems to be more tricks then treats when it comes to investing.  Tricks are sneaky and can cause a disciplined investor to abandon their plan and portfolio at the worst time. Treats on the other hand are more satisfying yet arrive slowly.  They require...

Financial Success 

Can you have financial success in a down market?  I believe so.  It’s easy to be pessimistic when markets are down, this can look smarter than being optimistic about future.  I’m a realist and believe ongoing planning and strategy makes optimism possible.  Here’s my...

You’ve got mail! 

Sunday October 9th marks World Post Day, recognizing postal services around the globe.  Most of our communications today have moved electronically to phones and computers.  Where would we be without text messaging and email?  Yet, receiving a birthday card is still...

Save, Invest, Spend

These three words are very powerful when you right size them to fit your financial decisions today.  Saving to cash reserves for opportunities and planning margins.  Investing for future wealth.  Spending the rest with confidence. In a declining market, this approach...