It's Your Life
Trusted advice
We talk a lot about relationships Whether they’re romantic, plutonic, business focused, educational, or political, the state of our world is usually a...
The best laid plans
The financial world is full of plans: Retirement plans, investment plans, estate plans, and financial plans They are offered as the solutions to all your...
Will I have enough?
One of the top concerns of retired people is wondering whether they will outlive their money. With medical advances increasing our life expectancies and the...
So long as it's black
Most people misunderstand marketing. It’s usually thrown in with sales and assumed to be just another way for a company to sell you whatever it is...
Real estate vs stocks - a tie
In this corner, real estate. In the other corner, stocks This is always a lively debate. I’ve been in the investment business since 1993, so my default...
Disruptive innovation
Our history is littered with disruptive innovation. A disruptive innovation or technology is any development that replaces existing markets with new ones:...
Broken English
In 1948, Sir Ernest Gowers published a book at the request of His Majesty’s Treasury, entitled, Plain Words. It was to provide bureaucrats with a...
Fear mongering
Through the looking glass Without diving too deeply into the world of psychology, we humans are mostly motivated by our desire to avoid fear or to increase...
The American Dream
From Cadillacs to mortgages, the American Dream has been used to idealize a lifestyle that is today considered a right, not a privilege. The original definition...
More? Or better
Your Life: More or Better? Quality versus quantity, that’s always been the dilemma. Do you grab a hot dog at Costco or wait until you get home to prepare...
Hoard? No, heave!
While walking my dog early this weekend, I was once again surprised by the number of people who either can’t, or choose not to, park their cars inside the...
Should you pay for advice
The Question It’s the kind of question that’s always answered with, it depends. What it can depend on is the value that you are receiving for the...
Bull or bear?
The investment industry, like most industries, is full of jargon. Often when we’re talking to clients, we advisors revert to the language we’re most...
It's different for women
Money means many things to people. For some, it’s a way of keeping score, for others it’s the promise of future security. Some yearn for the status...
There's more to the picture
The good news is, we’re living longer. Unfortunately for many, that’s also the bad news. As life expectancies increase, so do the incidences of...
In a panic? Change gears
The way it was The choice used to be obvious. If you wanted to protect your principal, or generate a regular cash flow, you were probably an income investor. If...
Advance to Go
When bad markets happen to good people, they, much as our prehistoric ancestors did, see their cortisol levels rise and stress levels increase, and they start...
The secret of change
As the New Year unfolds, may you be ready for fresh ideas, unforeseen challenges and great opportunities. The markets are just one of the challenges you will...
Uncertain times
Generating income in uncertain times Stock markets and interest rates, like everything else we have the ability to look back on, are often remembered through...
Retirement moves
Retirement means a lot of things to different people. For some, it’s a time to move closer to their kids and watch the grandchildren grow. For others,...