Making more money is less about more relationships, more customers, more raises at work, and more on your calendar.  These are short-term solutions, that yes, will infuse your bank account.  However, they fall short of addressing…

Please let me preface this post by the fact that my wife, Nikki, is more grounded than me.  I think about the future – a lot.  Which bodes well for clients; it doesn’t always for a…

There are many complicated layers to being financially independent – like an onion.  First a quick personal story for analogy. I use Wednesday as a day to be less structured.  It’s my day to be in…

The topic of polarization has been covered at nauseum, especially in consideration of our current political landscape, but I’m going to give it a whirl from a slightly different angle – and, make the claim that…

I recently wrote about the ‘expert mindset’ in Be Wary of the Expert.  The post was meant to encourage all of us to continually learn and be open to being wrong vs putting a stake in the…

We all have a silent business partner.  His name is Uncle Sam.  He requests that you buy him out before you take your money home.  He gets a bad rap, but he’s not a bad guy. …

If only I could take credit for this recent Tweet by an industry colleague: Me: Oh, that’s interesting.  I’m not familiar with that designation.  What’s it stand for? Other finance dude: Ummmmm, I don’t really remember. …

$1,000 decisions are important.  Managing your cash flow is important.  If ignored, they can add up to much larger concerns.  $100,000 decisions are even more important.  Because they are often less obvious, more abstract, beyond conventional…

In the last 12-18 months, I’ve fielded a lot of questions about mortgages and how they tie into your financial plan.  There seems to be a knee jerk reaction that not carrying a mortgage is your…

In Q3, we typically revisit our client’s risk tolerance.  This year, that review seemed particularly applicable given the volatility we saw in the months of July and August.  I was curious what sort of responses we’d…