Estimated Reading Time: 2 minutes Trust is inseparable from risk. We expose ourselves to both poor experiences and poor outcomes if we place our trust in the wrong person or organization. But what exactly is trust and how can we…
Estimated Reading Time: 2 minutes A recent study (The Retirement Solution Hiding in Plain Sight) estimates that only 4% of retirees make the correct decision about when to start receiving Social Security. This highlights a horrendously costly mistake by 96%…
Estimated Reading Time: 2 minutes Each of us have just a handful of non-financial decisions in our lives that become inflection points for our financial future. Where we go to college, who we marry, where we worship, and where we…
Estimated Reading Time: 2 minutes According to a recent research paper by Vanguard (How America Saves 2019, 401(k) Statistics), an overwhelming percentage (77%) of retirement account investors utilize target date funds in their 401(k)’s. The lure of target date or…
Estimated Reading Time: 3 minutes The most pressing question for many investors is a simple, yet difficult one: Will you run out of money before you die? Everything else really pales in comparison. A recent report from the World Economic…
Estimated Reading Time: 2 minutes Within the “religion” of investing the main deity is the God of Maximus. For many, optimizing and maximizing investment returns are the most revered commandments of the investing faith. Here’s the problem, maximizing returns is…
Estimated Reading Time: 2 minutes Life is full of numbers, ratios, and percentages that have some particular meaning. The financial aspects of life are no exception of course, but some of these numbers bear more weight than others. Here’s a…
Estimated Reading Time: 2 minutes Your 50th birthday ushers in a decade that largely determines how much you will enjoy the balance of your life. The transition from vibrancy to maturity can happen quickly or slowly, but it happens to…
Estimated Reading Time: 3 minutes Physicians use bloodwork in order to identify signals that point to underlying medical conditions that may not yet be symptomatic. Your financial life emits signals as well, some of which can serve as early warning…
Estimated Reading Time: 2 minutes Death, taxes, and oh, one more…inflation. Those are all guaranteed. Well, there have been a few years, (the last year was 1954), where we had deflation but for the most part, ever increasing costs for…
