News You Can Use

We share current events and news impacting your money.

Circle of Wealth

Retirement Ready or Not

You May Not Be Saving Taxes

Everything You Know You Think is True

Wealth & Wisdom

Money Matrix

Transfers of Wealth

The Next 3000 Days

College Funding

How Will I Pay for College?

Golf & Your Money

Drive for Show & Putt for Dough

Avoiding the Hazards

The Club vs. the Swing


On the Road to Financial Ruin

Have you ever stopped long enough to notice how many tools we have to assist our road travel these days? From traditional traffic lights and road signs, to programmable electronic billboards, GPS, and a bevy of smart-phone apps for every conceivable situation one might encounter on the road. The sheer volume is staggering. We are…
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Secrets of a Wealth Creator: How to Buy, Borrow, and Pay Smarter

Let’s face it, we all buy things and we will need to buy things our entire life. It’s not necessarily what we buy, but rather the way we choose to pay for them that can have a lasting impact on our financial well being. Especially those things we call Major Capital Purchases. These are things…
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A Matter of Perspective

There once was a blind man who was miraculously given his eyesight. For his entire life he had accomplished everything he needed to do without the benefit of eyesight. Instead of utilizing his vision, he leaned heavily on the use of his other senses. When he was suddenly able to see, he had nothing to…
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Qualified Plans: The Hidden Truth

For many people, the term 401k is synonymous with retirement preparation, and sometimes represents the full extent of their preparedness. Such accounts are often included as part of a benefits package provided by employers, and chances are if you have one, most of your retirement savings are being deposited into this account. Given that it…
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Trains, Tickets, and Taxes: All Aboard!

Imagine that there are four people in line to purchase tickets at the train station. One after the other, they each purchase one ticket of the same class, on the same train, bound for the same destination. As they board, they take their seats next to each other and after exchanging pleasantries they begin to…
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Mortgages: Spoiled for Choice

It is likely that during your lifetime you will allocate more dollars to the place you are going to sleep than anything else. As such, the potential to transfer your wealth away unknowingly and unnecessarily as a result of decisions made surrounding your mortgage is just as high. There is a great deal of misinformation…
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The Golf Caddie Analogy

Throughout the years, I’ve found that people tend to have a wide range of expectations that come to mind when they hear the term “Financial Advisor.” And it’s no wonder that sometimes even the advisors themselves have differing opinions on the term, and certainly different approaches to serving their clients. I’d like to outline what…
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Why My Clients Choose to Work With Me

If you have had any previous experience with a financial advisor, chances are the conversation revolved around how much money you have, where it’s located, we can do a better job. It would seem that most investment firms share the same singular focus of trying to find better products that earn a higher rate of…
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Your Personal Economic Model®

One of the tools we are able to utilize when discussing the best course of action to secure your financial future is known as the Personal Economic Model®. Much as a medical doctor would use an anatomical model to convey medical concepts, we use the following model to convey financial concepts. This model offers a…
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Relationships are Fundamental

It’s a funny thing about advice. Everyone seems to have an overabundance of knowing what others should do, and they have no problem telling you about it, especially when monetary gain is a motivating factor. However, there also seems to be an equal dearth of understanding about who such advice is given to. If you’re…
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Health Care: What Lies Ahead

In 1960, the average American spent about $147 a year on health care expenses. In 2017, that number was $10,739. In the ’60s, the health care industry represented 5% of GDP. In 2017, it was nearly 18%.1 Unfortunately, annual incomes have not increased on par with this particular cost of living. As a result, more…
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Newsletter: July/Aug 2020

News You Can Use America’s Job Crises: Past and Future Even before the mass layoffs caused by the COVID-19 coronavirus pandemic, companies were having a hard time keeping workers employed. That’s because, in recent years, plentiful jobs have offered employees more options to jump ship if they weren’t happy. In August 2019, more than 4…
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