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
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
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
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.
Higher Taxes: There’s simply no way that paying more taxes will increase your returns or improve your retirement lifestyle. More taxes only mean more of your hard-earned money out the door and less for you to enjoy life.
Regulations in Banking and Investments: The more the government steps into the financial industry, the harder—and more expensive—it becomes for you to grow your wealth. This only distorts markets, raises your costs, and puts your retirement at risk.
Inflation: Inflation isn’t a mysterious force—it’s a result of government policies and printing money. When inflation rises, your dollar buys less, making everyday life, not to mention retirement, more expensive.
You deserve an advisor who’s not just going through the motions but actively working to reduce taxes, boost returns, and protect your freedom to live the life you envision. Retirement should be about what you want, not what gets taken from you.
Investment is an intricate dance of three crucial factors: risk, reward, and time. While it’s tempting to believe that mastering these components will unlock the secrets of a successful investment journey, there’s an inherent unpredictability that even the savviest investor cannot outrun. Let’s delve deeper into this and uncover why, despite our best calculations, the outcome remains an enigma. Read More
Welcome to the realm of finance, where the certitude of uncertainty reigns supreme. When it comes to predicting the stock market and economy, no one knows anything (with any real certainty). Let’s explore why. Read More
While the stock market is fundamentally an investment platform, certain investors approach it more like a casino than an investing (wealth creation) tool. While they are both fundamentally different, the misuse of the stock market can often blur these lines. Read More
The U.S. debt ceiling has been a hot topic of debate in recent years. Despite the serious overtones attached to this topic, is it possible that the hullabaloo surrounding the debt ceiling is more of a political maneuver rather than a genuine fiscal concern? Let’s delve into the history and the underlying constitutional provisions to find out. Read More
As you approach retirement, one crucial decision you must make is whether to claim your Social Security benefits early and invest them or wait until age 70 to maximize your monthly benefit. This blog post will discuss the pros and cons of both options, taking into account factors such as delayed credits and the tax implications of receiving and investing Social Security benefits. Read More
