Our Financial Insights

Welcome to the definitive guide on fee-only financial planning! Whether you're just beginning your financial journey or looking to refine your strategies, understanding the nuances of fee-only...

High net worth (HNW) individuals are increasingly allocating a greater share of their assets to independent Registered Investment Advisers (RIAs) and fee-only firms, moving away from traditional...

Remember Bitcoin's early days? Pure chaos. The daily price swings were wild enough to make your coffee spill. Our attached chart shows exactly that – a history of wild volatility. But look closely...

As the days grow shorter and the leaves turn vibrant shades of red and gold, it's not just the trees that can benefit from a little pruning. Autumn is an ideal time to assess and adjust your...

A Look at Interest Rates Over the Last 70 Years Looking at this chart of historical interest rates is a bit like scrolling through old photos of your parents. You see them in the '80s, all big hair...

Understanding risk tolerance in investing is like trying to decide if you're comfortable with bungee jumping or would rather stick to watching Netflix on the couch. It’s all about knowing your...

We've all been there: your phone rings, and the caller claims to be from the IRS. Cue the heart palpitations and frantic search for last year's tax records! Here’s how you can spot an IRS scam...

The Big Beautiful Bill              What was in this Big Beautiful Bill and how does it affect you? Most of the bill affected taxes, so that is what I will focus on here.The best thing it did was...

I was looking at this chart the other day. It shows that we're about to spend more on data centers than on offices. Which, if you're a human who works in an office, is either a little bit insulting...

1. Embracing Proactive Wealth ManagementOctober, National Financial Planning Month, serves as a timely reminder for high-net-worth (HNW) individuals to revisit and refine their financial strategies...

Dot Com Boom & Bubble Vs Artificial Intelligence I got an email the other day with a chart. It was from some financial analysts – people who get paid to stare at lines on a screen. And this chart,...

As summer comes to an end, it’s an ideal moment to look ahead and financially strategize. While tax season feels distant, taking proactive steps now can lead to significant savings on your business...

Thinking about the twists and turns on the road to retirement? It's easy to get caught up in the unpredictability of market changes, but there’s a way to regain control: the Roth IRA conversion....

Navigating Legislative ChangesLegislative shifts can be unsettling, especially for seniors who are planning their financial future and healthcare needs. The newly signed One Big Beautiful Bill Act...

As the year quickly comes to a close, many business owners find themselves caught off guard by unforeseen tax challenges. Without proper preparation, these costly surprises can jeopardize the best...

Challenging Outdated PerceptionsThe notion that 401(k) plans are too complex or expensive for small businesses is outdated and needs rethinking. As a small business owner, you already juggle...

Harvard is reportedly issuing $1.2 billion debt to raise cash. Seems their $50 billion endowment, much like that emergency stash of cash you swore you wouldn't touch, isn't exactly liquid when you...

From Saver to Strategist: Taking Control of Your Retirement FinancesYou've diligently saved for retirement, and now you're wondering, "What's next?" It's a common feeling. After decades of...

On January 5, 2025, a pivotal change unfolded for millions of retirees across the nation. The signing of the Social Security Fairness Act marked the dissolution of antiquated provisions that had...

As we step into 2025, understanding life insurance trends becomes paramount for securing your financial future and protecting your family. Updated statistics are vital tools that enable us to make...

Do you have some extra cash you want to invest, but not sure if this is a good time to go "all-in"? Well, here's a chart that demonstrates how two different approaches might work out. See that blue...