I’ve put off writing about the topic of budgeting for some time now, probably for the same reasons that most people hate talking about it. Budgeting is boring, inconvenient, and restrictive. Aside from all that, many get to a point where they don’t feel they need a...
As we approach Thanksgiving, and as we near the close of another calendar year, it’s a great time to think about how charitable giving might fit into your financial plan. While you might think of charitable planning as something only for the ultra-wealthy, there are...
Strapped For Cash There’s an old adage – cash is king. Except, in today’s low-interest rate environment, cash feels more like the ugly duckling. It’s easy to see why many investors are turning more and more of their cashflow toward more productive sources –...
Several years ago, we formulated a few investment principles that defined our approach to the investment markets. In revisiting this particular flyer from years past, I was struck by just how relevant they continue to be. While our approach to investing has evolved,...
Diversification. Harry Markowitz (a Nobel Prize-winning Economist) called it “the only free lunch in investing”. Why, then, when clients ask if it’s wise to have multiple financial advisors, do we recommend against diversifying who is managing their portfolio? Here...
