Sequence of Returns Risk and Beyond Passive Investing
For years, the prevailing wisdom, often championed by most registered investment advisors (RIA), has been to simply buy and hold passive index ETFs, rebalancing occasionally, and hoping for the best. But this approach overlooks a critical, but often unseen, risk: sequence of returns risk. It’s not just about the overall market performance, but the order […]
What Every Pre-Retiree Must Know About Investing Styles in 2025
The mainstream advice in personal finance for years has been that passive investing is the undisputed champion for the average investor. Financial media and best-selling books have beaten the drum for low-cost index funds. For the average investor, the advice makes sense. The strategy is simple, cheap, and has a proven track record of delivering […]
Disruptive Tech and Why 2025 Could Be the New 2003 for Investors
AI is the pivotal theme that’s accelerating innovation across sectors such as industrials, healthcare, finance, and technology itself. But today’s investment landscape feels a lot like the early 2000s. After the dot-com bubble burst, uncertainty was high, but the foundational technologies of the internet and Web 2.0 were just beginning. For investors who looked past […]
The Investment Strategy Your Advisor Won’t Talk About
After spending nearly two decades in the wealth management industry, working with clients at some of the largest banks and registered investment advisor (RIA) firms, I saw the same pattern. And if you’re a professional who has ever worked with a financial advisor, I bet you’ve heard this story. It goes something like this: “The […]
How Your Spending Changes Throughout Retirement
The day you receive your final paycheck marks a profound shift in your financial journey. For decades, your lifestyle had a reliable funding source—regular income that covered monthly expenses while letting you save for the future. But as you transition into retirement, that steady stream goes away, and you’re faced with a new reality: funding […]
Are You Making These 3 Tax Mistakes in Retirement? A Financial Planner’s Take
I recently met with a couple who thought they had retirement figured out. They’d saved diligently for decades, built a solid nest egg, and even worked in banking over their careers. But when I reviewed their first year of retirement, I realized they’d unknowingly paid thousands more in taxes than necessary. The reality is that […]
57% of Americans Will Need Long-Term Care—Are You Ready?
Have you thought about what would happen if you or a loved one needed long-term care? I know, It’s not the most comfortable dinner conversation. But it’s a topic that needs to be addressed eventually. A recent report highlights something that should catch your attention: over 57% of Americans turning 65 will develop a disability […]
10 Retirement Mistakes You Don’t Want to Make When You’re Young
According to Fidelity’s 2025 State of Retirement Planning Study, 38% of retirees wished they’d prioritized saving earlier. I’ve seen a lot mistakes people make when it comes to their retirement planning (and have made some myself). Here are ten mistakes and how to avoid them. Starting Too Late Many of us put off saving […]
The No. 1 Factor that Gets You Ahead in Retirement
According to a recent CNBC survey, only 37% of Americans feel confident about their retirement savings. Retirement planning for most people can feel overwhelming, especially when it seems far away. But here’s the most important factor that can help you get ahead in retirement. Investing Early I’ve worked with lots of clients over the […]
The Retirement Decision: Should You Work One Extra Year?
As the time to retire arrives, some of my clients face a question: “Should I retire now or work just one more year?” This decision carries enormous weight, both financially and personally. Meet Rob and Natalie, a couple I’ve been working with in this situation. Retirement Crossroads Rob and Natalie, ages 66, had built […]