Blog
Navigating Care Conversations and Financial Planning for Aging Parents
When Roles Reverse Thanks to healthier lifestyles and advances in modern medicine, the worldwide population over age 65 is growing rapidly. In the past decade alone, the number of Americans aged 65 and older has increased by nearly 40%...
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Understanding Today’s S&P 500 P/E Ratio — What It Tells Us About the Market
Understanding Today’s S&P 500 P/E Ratio and What It Tells Us About the Market The S&P 500 P/E ratio, or Price-to-Earnings ratio, is one of the most common ways to measure how expensive or inexpensive the stock market looks. It compares...
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Are You Retirement Ready? When Plans Change
If there’s one truth I’ve learned after decades in this profession, it’s that no matter how carefully people plan for retirement, life has a way of rewriting the script. Many of us envision a neat transition. We work until a chosen...
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Why Inflation Is Still a Threat to Retirement—and What to Do About It
Inflation may have eased from its recent highs, but it hasn’t gone away. It continues to make headlines for good reason. Consider this: beef prices have surged 9% since the start of the year, reaching record highs due to tightening...
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From Horsepower to Human Power: Investing in Resilience
The next time you hear the roar of an engine or step into a sleek, modern vehicle with features your grandparents could not have imagined in their wildest dreams, consider this: you are not just experiencing a means of transportation....
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What I Love About Being a Financial Advisor
If someone asked me to sum up my career in one sentence “You’ve come a long way, baby” captures it. It was a Virginia Slims cigarette campaign that ran for nearly twenty years—wildly inappropriate by today’s standards. But the Gen Xs...
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Retirement Isn’t Just About Returns—It’s About Timing (Part II)
In Part I, we walked through the power of long-term investing—the discipline of saving consistently, staying invested, and letting time do the heavy lifting. We followed a thirty-year journey where a hard-working employee contributed...
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Retirement Isn’t Just About Returns—It’s About Timing (Part I of II)
Many people assume they can ride the stock market’s long-term growth indefinitely. And for much of your working life, that’s a reasonable strategy. You contribute, you invest, and you stay the course. “Buy and hope” seems to work. But...
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529 Plans: What They Are, Why They Matter, and How to Use Them Wisely
It's that time of year again - when caps fly, families cheer, and another class of graduates steps into the next chapter of life. Graduation season is a time to celebrate achievement, possibility, and the payoff of years of hard work....
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A Closer Look at the 2025 “One Big Beautiful Bill”
The House of Representatives advanced the "One Big Beautiful Bill" on May 14, 2025, when the Ways and Means Committee approved the tax and spending package. This sweeping legislation is central to President Trump’s renewed economic...
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Will vs. Trust: What’s the Difference and Which One Is Right for You?
After 35 years in finance, I continue to meet new generations of individuals who are confused about the difference between a will and a living trust. It's one of the most common questions I hear—and one of the most misunderstood...
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How Credit Cards Are a Trap
Credit cards are marketed as tools of convenience, flexibility, and rewards. And in many ways, they are—just swipe, and you can have nearly anything you want: dinner at a five-star restaurant, designer handbags, the latest phone, or a...
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Real Estate Investing Made Simple
When people talk about investing in real estate, the conversation usually jumps straight to direct real estate ownership (also known as active real estate investing). This can be an appealing alternative but there is a catch. It’s not...
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Rethinking the U.S.–China Economic Chess Match
In the global economic arena, the United States and China are engaged in a long-term strategic contest; one that resembles a high-stakes game of chess. This metaphor reflects the thoughtful calculation, foresight, and positioning that...
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Financial Advice for a Longer, Smarter Life
When I started in the business back in 1988, no one really wanted advice; they wanted a product pitch. It was a transaction-based world. We were “stockbrokers,” and it was typical to pitch a stock or bond, not a strategy. No one talked...
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Should We Worry About Social Security?
Should We Worry About Social Security? Let’s Talk Facts, Not Fear. Lately, there’s been renewed anxiety around Social Security, much of it fueled by political soundbites suggesting that future benefits could be reduced or restructured....
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Understanding Tariffs
The concept of tariffs is something many of us learned about in school, often linked to the study of the Great Depression. Intended to protect American industries during those difficult times, tariffs instead worsened the crisis by...
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Working in Retirement: What You Need to Know
Working in Retirement: What You Need to Know About Taxes, Social Security, and Medicare Have you ever thought about working during your retirement years? Whether it’s out of financial necessity or simply to stay active and engaged,...
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Why Rolling Over Your 401k is a Smart Move
Why Rolling Over Your 401(k) Is a Smart Move When You Change Jobs or Retire 401(k) plans are an excellent tool for building retirement savings, and we strongly encourage their use to maximize their potential. Employer contributions are...
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10 Things To Know About Bitcoin
Bitcoin has captured the attention of investors, regulators, and policymakers alike. Some consider it the future of finance, while others see it as a speculative asset with unnecessary risks. Are you missing out? Should Bitcoin have a place
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Turning 65 Soon? Trying to Plan Your Health Care Options for Retirement?
Let’s Talk Medicare Did you know that a 65-year-old couple retiring today could spend as much as $683,306 on healthcare costs throughout their retirement—and that doesn’t include potential long-term care expenses that 70% of retirees...
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The Social Security Fairness Act: A Step Toward Equity or Just More Problems?
The Social Security Fairness Act seeks to repeal WEP and GPO, which reduce benefits for public workers like teachers and first responders. Learn how this proposed change could impact retirement benefits and the debate around fairness.
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Can You Afford to Retire?
"Can I afford to retire?" It’s a question that echoes in the minds of many, and it’s more complicated today than ever before. Retirement isn’t just about having a large enough nest...
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