The Stock Market Will Always Grow

Every so often, people wonder if it’s even worth investing in the stock market anymore. After all, hasn’t everything already been invented? We have cars, smartphones, streaming, medicine that cures diseases, and technology that connects the world in seconds. If the great inventions are behind us, what’s left to drive the market higher?

It’s a fair question—but it misses a key truth: human needs and the search for profit guarantee that innovation and business will never stop. And because innovation never stops, the stock market, over time, always finds a way to grow. Read More

Don’t Have This Retirement

Not all retirement plans are the same.

Some are calm and steady, like floating down a peaceful river. Others feel more like a roller coaster – up one day, down the next – and you’re holding on tight, hoping things go your way.

If you’re using your investments to pay for retirement, that’s totally fine. But if you find yourself feeling worried all the time, it might be a sign your plan needs a little help.

Read More

Structuring Your Retirement Income

Retirement planning is a complex puzzle, and structuring your retirement income is one of its most critical pieces. With life expectancies increasing and economic uncertainties persisting, ensuring a sustainable income stream throughout retirement is more challenging than ever. Numerous strategies and “rules” have emerged to guide retirees in managing their finances, such as the Rule of 240 Paychecks, the ‘Die With Zero’ Rule, the Rule of 1,000 Hours, the Rule of Four Futures, the Rule of $1,000, the Rule of 55, the 80% Rule, the 4% Rule, and the Rule of 25. Each offers a unique perspective on how to approach retirement income, from withdrawal rates to early retirement funding. While these rules provide valuable frameworks, they often overlook critical realities about retirement that can make or break your financial security. This article explores these strategies and emphasizes the importance of a balanced income approach, the unpredictability of life expectancy, and the non-linear nature of retirement. Read More

Economists and Forecasters Know NOTHING

The stock market is a complex beast, often described as unpredictable in the short term. Why? Because it reflects the minute-by-minute decisions of roughly 7 billion people. If individuals struggle to predict their own actions an hour from now, how can anyone claim to forecast the collective behavior of billions with precision? The answer is simple: they can’t. Decades of market history show that no one—regardless of expertise—has consistent insight into short-term market movements. Read More

Before You Retire: The People You Must Talk to First

Because retirement planning isn’t just about money—it’s about making sure every piece fits.

Retirement isn’t something you just walk into—at least not without a little preparation. If you want to avoid surprises (and stress), you’ll need to talk to the right people first. Retirement affects your income, healthcare, lifestyle, and even your relationship with your spouse. Here’s who should be on your pre-retirement checklist: Read More

Does Diversification Suck?

Imagine the days of old ships powered by sails. The fastest ones, called clipper ships, were built to race across the ocean, carrying tea from China. They were sleek, with tons of sails and a deep keel—think of it like a fin—that helped them use the wind but needed deep water to avoid crashing. Read More

Young Investors – Embrace the Declines

If you’re a young investor watching the stock market dip in 2025, you might be feeling a little uneasy. Headlines are filled with talk of a slowing economy, recession fears, and market selloffs. But here’s the truth: none of that matters to you in the long run. In fact, downturns are an opportunity—one that you should be taking full advantage of. Read More

Post Election Perspectives for Your Investment Strategy

Political news is everywhere, dominating conversations and stirring emotions. It’s tempting for investors to react to these developments, whether it’s debates over tariffs, inflation concerns, or discussions about immigration policies. But making changes to your portfolio based on political headlines—or what you think might happen—is rarely a wise move. Read More

3 Government Policies that Destroy Retirement

As a financial advisor, I’m sometimes told to be ‘neutral’ about politics when discussing your money. But when it comes to securing your financial future, there’s no room for gray areas. Let’s talk straight about three policies that, no matter who promotes them, won’t help you retire better. Read More