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I help busy couples optimize their money decisions so that they can focus on their families and careers. Focusing on their families can...

You’re smart and good at solving problems. Why would you hire someone to help you with something as important as your finances when you...

Who or what do you want to have an impact on? This question is important for anyone who has been successful managing his or her money. I...

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

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

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

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...

There are currently seven U.S. Federal income tax rates in the IRS tax tables ranging from 10% to 37%.  On closer inspection though,...

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...

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

How you position and withdraw your money before retirement and in the early years of retirement can extend how long your assets last by...

IRA’s or 401(k)’s with over $500k in assets may cause tax headaches for beneficiaries who inherit them because of the new SECURE Act law....

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

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

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

Software that models what I like to call a “Financial Life Plan” has greatly improved over the past decade. New, user-friendly,...

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

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

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...