Risk, Reward, and Time in Investment Decisions

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

When Is the Best Time to Invest?

Investing in the stock market is a great way to grow your money for retirement, but it can also be extremely nerve-wracking. The markets are always volatile, and there’s no guarantee that you’ll be able to ride out the ups and downs.

The truth is, there’s no perfect time to invest. There will always be an element of risk involved—no matter what your investment strategy is or how much time you’ve put into researching your portfolio. But with these tips, you’ll be able to reduce some of the volatility of the market so that when things do go down (and they will!), your losses won’t be as severe. Read More

Panic, Fear & Asteroids

by Richard E. Reyes, CFP

Here we go again. What’s going on and what you have to do now. If you have no idea what you are doing, and worse yet, your financial advisor has no idea what you are doing, CALL ME! If you have no plan, no process, or no idea – CALL ME.


Order of Return Risk

by Richard E. Reyes, CFP

THE DAY YOU RETIRE AND START TAKING MONEY OUT OF A PORTFOLIO, ALL THE RULES CHANGE AND AVERAGE RETURNS DON’T MATTER. This statement goes against what most retirees think. The day you retire there is only one thing that matters and that is the order of returns. Read More

Having A Trans (Identity) Problem?

by Richard E. Reyes, CFP

We live in a time of confusion. Recent news headlines have created a national conversation on terms like transracial and transgender. I meet with confused people all the time, but the worst are those that have a financial identity crisis. Read More