The Value of a Risk-Adjusted Portfolio in Today’s Market
Investing in recent years has seen a trend of a small number of highly outperforming stocks carrying the larger portion of growth in the market. This has led retail investors to be more interested in chasing these gains in the hope of capturing this growth in lieu of what might be a more appropriate portfolio […]
The Exploding Pen Incident
“I know, I know” you say, “I should have an emergency fund, but you don’t understand our financial pressures. We are living paycheck to paycheck and I can’t see the value in leaving several thousand dollars on the sideline doing nothing.” This financial pressure is exactly why you need an emergency fund. When my wife […]
The Impact of Social Media and News on Market Trends
2025 has started off with noticeably volatile weeks in the stock markets. This volatility stems from various economic and political factors we currently face. On top of this, we live in an age of news and social media that can sometimes feel overwhelming. Each week, a new headline turns heads and makes people react emotionally. […]
The Future of Financial Planning
Alas the future evolution of technology has sparked a new option in the financial planning industry known as robo-advising. What is this you may ask? A robo-advisor is an automated investment platform that leverages AI and algorithms to create and manage your investment portfolio. With minimal effort required and lower costs compared to traditional advisors, […]
Evaluating the Financial and Time Commitments of Adopting a Dog
Whether it’s a golden retriever, a poodle, or any other breed, dogs can be an amazing addition to your family. Their love and companionship can provide an unmatched sense of fulfillment. However, adopting a dog may also include a whole bunch of costs that should be evaluated and planned for. Some of the key items […]
Why a Large Tax Refund Isn’t Always a Good Thing
When I was a young adult, like many others, I enjoyed the excitement of tax time and the amount of money I would get back. I would dream of what fun and exciting things I might do with this “extra money.” Then, when starting my career in financial services, I learned the real truth behind […]
The Essential Guide to Insurance
In an unpredictable world, insurance is a powerful and often necessary tool to safeguard against life’s uncertainties. Whether it’s your health, home, car, or business, insurance helps you manage risk and gives you the peace of mind that, should the worst happen, you’re not left financially vulnerable. But with so many types of insurance out […]
Navigating 529 Plan Strategy Changes
Managing your 529 plan effectively is crucial to ensuring your investments grow without incurring unnecessary taxes. One key feature of 529 plans is the limitation of two strategy or investment changes per year. This constraint can be challenging if market conditions prompt a need to adjust your account investments. For that reason, it is very […]
When It Comes To Your Finances, Don’t Be A Duck.
There is an old story about a kingdom of ducks. One day the king of the ducks decided to hold a conference and he called for all of the ducks to travel to the palace where he promised they would have an experience they would never forget. On the day of the conference the ducks […]
Why Are Mortgage Rates Staying Stubbornly High?
The Average 30-year fixed rate mortgage is currently sitting at 7.10% as of Jan. 6, 2025. This is a stark contrast when compared to the all-time lows of 2.75% back in the beginning of 2021. We have seen the cost of financing a mortgage skyrocket as the Federal Reserve began to increase interest rates after […]
