Blog

 

Relieving Spousal Financial Stress

Working with couples I have found that one spouse usually takes the lead in managing the family’s finances. It’s important to realize...

Investing is NOT like Physics

Before I became a financial advisor, I taught physics. Investing in NOT like Physics. Laws vs. Rules of Thumb: In physics, there are...

Investments that make me go Hmmmm…

I consistently advocate for investing in a diversified set of low cost, index-based mutual funds or ETFs (Exchange Traded Funds) that...

A Financial Planner to Match Your Needs

There are many types of financial planners. Unlike doctors, lawyers, and accountants, anyone can use the “financial planner” or...

Individual Stocks are Risky!

Over the past 5 years, 34% of individual U.S. stocks lost money.  Over the same time period, only 0.2% of U.S. stock mutual funds or ETFs...

Are U.S. Stocks Expensive?

One way to measure whether stocks are expensive is to compare the current price of the stock to the underlying earnings of the company. ...

Happy Money !

Mo’ Money, Mo’ Satisfaction: Once people are able to meet their basic needs for food and shelter, it makes sense that they begin to spend...

Is Stock Picking a Myth?

Yes (1). Then why do otherwise logical, analytical people believe they can beat the market by themselves, or by hiring an investment...

Money is Emotional: Money Scripts

Do any of these “money scripts” describe your attitude towards money (or your spouse’s)? Money avoidance: People who fall into this...

When Do You Want to be Taxed?

Traditional IRAs vs. Roth IRAs vs. Investment Accounts As an incentive to encourage Americans to save for retirement, Congress...

The New Way: Investing for the 99%

For some people “investing” sounds like a risky, complicated activity that only the richest 1% do. This view causes them to keep most of...

Modeling Your Personal Finances: Part 1

In engineering and physics (my first two careers), the use of computers to model the behavior of complicated systems started during World...

The Cost of Inflation

Inflation is a critical issue in financial planning because it is essentially a tax on your future earnings. Unfortunately, investors...

The Cost of Debt

Debt is often necessary on the path to financial success, but it is probably the most common way that people get off track. Debt costs...