We see it all the time. After making a major financial decision, people come to us only to realize that maybe they didn’t do it quite right. And now it’s too late. The toothpaste won’t go back in the tube. Case in point: A recent retiree who selected a pension that [...]

In all my years as an advisor, I never imagined mortgage interest rates would be as low as they are now. When you consider not that long ago, the banking industry faced a massive number of foreclosures, the fact you can borrow money in 2021 for under 3% is mind-boggling. So, [...]

I recently came across a rather disturbing article about how the pandemic has been a significant blow to people just as they were preparing to retire. To read it, click here. Bad news never arrives at a good time, but this crisis was particularly damaging given how quickly it occurred. One minute [...]

There’s an old expression: just because you’re paranoid, it doesn’t mean someone isn’t out to get you. And let’s face it, the past twelve months have given us plenty of reason to worry. Who could ever imagine a time when going to a store could seriously impair your health? Before COVID-19, one [...]

Recently the Securities and Exchange Commission announced a change in the rules covering registered investment advisors. Since 1940, advisors have not been allowed to use testimonials in their marketing materials. This is about to change. Soon advisors will be allowed to have existing clients share how much they love their advisor [...]

We Americans love our dogs. We spend close to $100 billion a year on pets in general, making it quite a lucrative industry. And while many people humanely adopt their pets from animal shelters, some are not afraid to drop big dollars for a very rare breed. The record is $1.6 [...]

There was a time (not all that long ago!) that when a couple bought a house, they raised their family in it and kept it until they died. They never really thought much about paying it off because, in time, it just happened. One day a letter arrived with the deed. [...]

Just about every one of our clients has a valuable lesson to share. And when I say valuable, I mean people will pay for those lessons. Let me explain: a number of companies specialize in helping people create and sell online courses. This industry is huge and expected to eclipse $300 billion by [...]

If you’re like me, you have one or two drawers in your home where “stuff” just seems to land. My mom called it ‘The Junk Drawer.’ It’s usually the first place I look when I can’t find my keys. Every so often, I take the time to go through it and [...]

A common strategy, at least in theory, is to downsize one’s home once you reach the “empty nest” status in life. The kids are gone, so why do we need a big house? Why not sell the house, buy something smaller, and then invest the difference? Again, great in theory. It [...]