I am often asked the critical question of should I take my social security benefits early or wait until full retirement age or beyond?  Issuing a blanket response or answer to that question can lead people down the wrong path, especially on this subject.  While I believe many people would benefit the most by waiting […]

One of the key drivers of investment performance is asset allocation.  Extensive research by Vanguard has shown that 88% of your investment returns can be traced back to your asset allocation.  Asset allocation is the balance between three main assets classes, equities (stocks), fixed-income (bonds), and cash and equivalents. As I laid out in the […]

Estate planning is one of the most critical aspects of the wealth planning process.  It is often an overlooked and disliked topic to face because it involves death and many subsequent emotional decisions.  However, when it comes to protecting your family and having your story told, estate planning is essential. Estate planning is; The process […]

I had a friend text me this story about Kevin Garnett, who is yet another high profile athlete or entertainer who has come out on the wrong end of some horrible financial advice (see here and here).  Within the text, my friend asked, “how does this happen to people?”  My response is, as long as […]

Advising parents who have started saving for college a little too late can be a very difficult conversation.  Telling a student who has worked diligently over the last 3 or 4 years to get into a prestigious college or the college of their dreams that they can’t afford to go is gut-wrenching. While inflation may […]

The best wealth management plan has nothing to do with “outside forces” beyond your control, but rather everything to do with what’s most important to you.  Instead of feeling overwhelmed by the supposed complexity surrounding financial decisions, a straightforward wealth management plan can bring clarity and peace of mind about which strategies will work best […]