Where’s the Value in Value Investing?

Excellent question, especially in light of the last 20 years in the US. The basis of a long-term investing plan is to buy today diversified assets at low prices that offer cash flows and that have the possibility of appreciation over time. Alternatively, an investor could buy headline grabbing high priced assets that do not…

Read More

Why Do Young People Hear So Much About Roth IRAs?

Roth IRAs. If you’re a Millennial or Gen Z, chances are this is the financial account you’ve heard the most about in your life. But why is this? Are they really as beneficial as people make them out to be? Read on to find out! What is a Roth IRA? Let’s start with the basics.…

Read More

No Unfinished Business

Pilots follow a routine checklist before take-off or landing. The checklist helps ensure that the vital systems are in working order and to verify that there is no unfinished business that needs attention.  Every person is the pilot of their own financial affairs. As a gift to our family, we should have our financial affairs…

Read More

When Is The Best Time To Collect Social Security Benefits?

Over 69 million people in the United States receive social security benefits — so needless to say, it’s a pretty important topic. Understand that the government is simply giving you back all the money they deducted from your paychecks (“FICA”) while you were working.  But with the many nuances and complexities of the social security…

Read More

Contingency Fund: Individual Retiree Risk Management

The goal of this article is to provide an actionable framework for contingency planning for individual retirees through the modern retirement theory (MRT) perspective. Contingency planning encompasses a retiree’s risk management processes, techniques, and strategies, along with a choice architecture. Our goal is to provide insights that are mitigating to those conditions within longevity that can impair or impact a retiree’s ability to remain retired. We offer three risk categories—known, unknown, and unknowable—as an organizational scaffold that demands an intentional choice be made by the retiree. Then, to guide an individual retiree’s decisions about contingency planning, we put forth an active risk selection matrix. The 3-R matrix can be used for guiding and evaluating risk choices through risk recognition, risk reduction, and acceptance of residual risk.

Read More

The Important Lessons Gratitude Can Teach You About Money

When you think of gratitude and money, you probably don’t imagine the two go hand in hand, but the connection is undeniable.  Gratitude has the power to boost serotonin and prompt the brain to produce dopamine, the chemical that makes you feel “good.” So, the more you practice gratitude, the better you’ll feel. It’s not…

Read More

5 Ways To Make Money In The Stock Market

“How do I consistently make money in the stock market?” – the question all investors want to answer! Oftentimes, people look at capital markets as a way for investors to “outdo” the other investors. Market timing, picking “hot stocks”, and calling the bottom are all feeble attempts at trying to outplay the market as a…

Read More

Your Investment Plan – What’s It Based On?

Your Investment Plan

“Where is the wisdom we have lost in knowledge? Where is the knowledge we have lost in information?1” While these questions were originally directed to modern culture at large, we think that they can also be applied to investing. Investors must forge a path, or hire a guide, through information and knowledge leading to a…

Read More