CLEAR AND CONCISE
 FINANCIAL ADVICE®

The first step to a brighter future is vision.

Learn the ins-and-outs from our retirement blog.

How to Prioritize Competing Savings Goals

Today, I am going to share my philosophy on how to prioritize competing savings goals. In other words, what do I save for first? What types of accounts should I use? And should I pay off debt instead of investing for the future? Unfortunately, life can get complicated, so many financial dilemmas will require you …View Article

Shopping Malls: Will They Become Extinct?

The Great One, Wayne Gretzky, is famous for saying, “A good hockey player plays where the puck is. A great hockey player plays where the puck is going to be.” The same analogy can be used with investors (minus the hockey puck). We want to invest in the industries and trends that are going to …View Article

Midlife Crisis: Myths, Misconceptions, and Insights

My wife has warned me that she will not take it well if I have a midlife crisis. I find this funny because having one had never even occurred to me. In fact, I am becoming more content with my life as I get older. This week I read a few articles on the topic …View Article

Relocating in Retirement: What to consider?

Many people consider relocating in retirement. Deciding where you want to live can be one of the toughest decisions of your adult life. Many people save for retirement their entire career, but they never really stop to consider the lifestyle they want once they no longer need to work for a living. Everyone wants to …View Article

Paradox of Plenty – Too Much of a Good Thing?

This week we celebrate Independence Day and our good fortune to live in a society where we get to make our own decisions.  Possibly our most fundamental belief is that the freedom to choose makes people happy. The more affluent we become, the more freedom/choices we have available to us and, in theory, the happier …View Article

Human Progress: Reflected in the Stock Market

The world has improved dramatically over almost any time-frame you consider. It doesn’t always feel this way because negative headlines attract eyeballs and sell advertising. Granted, there are tons of very real problems, many of which did not exist 30 years ago. Nevertheless, I think Bill Gates nailed it when he said: “Headlines, in a …View Article

Chances of an IRS Audit in 2018?

I always have a sense of accomplishment when I file my taxes. Most of you are also resting easy, unless you filed for an extension. Taxpayers who filed for an extension still have until September 15th to file a business return and until October 15th for individual returns. Once you file, the only thing left …View Article

Stock Market: Why I Love & Hate It

I knew nothing about the stock market at the age of 12, but I was completely hooked by age 13. My father asked me if I wanted to invest my bar-mitzvah money. I said, “Sure” without really understanding what that meant or how the market worked. My investment grew by $100 the first day and …View Article

Why Rich People Worry About Money

What amount of money would make you feel secure? Do you have a number? I hate to break it to you, but chances are, you’d still worry about money regardless of your net worth. This week I was reading a financial planning case study about a family that seemingly should not have had any financial …View Article

Royal Wedding Costs vs Average Wedding Costs

I usually try to write articles that enable readers to make better financial decisions. Today’s article about wedding costs is going to be the exception. The value of this post is simply to give you something to gossip about with your friends. After all, what is life without a bit of gossip? Prince Harry and …View Article