Car on long road, like a financial journey

On Your Road to Financial Success, What Car are You Driving?

Thoughts on the optimal process for achieving your financial goals (spoiler alert: this is our process!) In a word, it’s all about “efficiency.”  I will make the comparison of your financial life to an automobile.  Your financial assets (“money”) are the gasoline in the tank—the fuel for your financial life. The gasoline (money) doesn’t make you happy. […..]

President Trump’s Unlikely Victory and the Markets

With the election of Donald Trump as President, we expect a wild ride in the investment markets. Indeed, they are already turning sharply negative due to the uncertainties ahead (recalling that the markets hate uncertainty). Will the new President really build an expensive wall across our Southern border? Will he introduce legislation that will nullify the Affordable[…..]

Location, Location, Location! How Asset Placement Can Save You Taxes

Asset Placement is a popular discussion among financial planners (we’re a nerdy bunch). Asset Placement is determining what type of account (IRA, Roth IRA, trust, etc.) should hold what type of investment (bonds, US stocks, foreign stocks, real estate, etc.). If you ignore asset placement and you are agnostic as to tax consequences, you are probably paying[…..]

A Financial Love Note to my Daughters

Mothers across America are anticipating an onslaught of cards, flowers, breakfasts in bed (remember, it’s the thought that matters), and brunches out this Sunday in celebration of Mother’s Day.  My two “bonus” daughters are on the other side of the country and a soon-to-be daughter-in-law but I cherish them as my own. Since I arrived in their[…..]