Are You Beating the Index?


The Dow Jones Industrial Average index rose about .18% today, reaching its highest point ever,  closing at 22,370.80.  This is the 41st record close this year.

The Standard & Poor’s 500 index rose a mere.10% today to close also at a new record high, 2,506.65.

And, the Nasdaq composite index is doing awesome as well, up a .10% to 6,461.32.

So, what is an index? Are you feeling wealthier? Ready to do your part for America and the economy by spending? Read More

Does Money Make You Happy?


Does money make you happy? Is it a precursor for happiness?

Good questions. I’m guessing that from time to time, these questions come up on everyone’s mind.

How this came to my mind was from a conversation I had earlier this week over dinner with a woman I had just met. She is clearly and comfortably nestled within the 1%.  I’d say she enjoys a net worth in the 10-figure range. What we talked about, however, was universal :  The well-being of her kids and the loss of her middle child a few years ago.

I’ve learned that the answer to the questions about money and happiness is deep and very individual. The quick and simple answer is, not necessarily, but having money doesn’t hurt… ReadMore

It’s Time For a Freeze


Not a cold snap, but a credit freeze.

In the wake of Equifax’s not so very timely announcement of  a data breach of sensitive personal information of some 143M Americans, it’s time for you take more personal control of your information. Do so with a credit freeze. It’s relatively simple, inexpensive and increasingly necessary.

What is a credit freeze, what will it mean to you and how does it help? Read More

HSA, The Best Retirement Plan You Are Probably Not Using


What is a HSA, otherwise known as a health savings account?

My colleague Holly Thomas CFP® wrote about HSAs a while back, here is a link to her post. Reading her post reminded me to write a post myself for my followers. This is awesome stuff, so pay attention.

A HSA, or health savings account,  is a tax advantaged account used in conjunction with a high-deductible health plan, HDHP. As usual, the details are numerous and tiring, but worth it… Read More

Want to Save $15,300 in Taxes?


I have a new client who engaged me on a hourly basis. He wanted some help to determine the best way to handle a forthcoming distribution from a profit sharing plan and a low 6-figure gain on the sale of his personal residence. He was concerned about taxes and IRAs.

He is 52 years old, divorced with grown kids, moving to a different state, starting a new job and is excited by his prospects.

This current year, he will earn somewhere in the low $30,000s. Next year, he will earn much more, in the mid-to-upper $50,000s.

He wanted to take his $30,000+/- profit sharing distribution as a taxable event and then contribute it to a Roth IRA.

He didn’t have any real plan for the $120,000+/- expected proceed from the sale of his home.

Want to know what I suggested? Read More

I Love What I Do


I love what I do. Just love it.

It is different every day. And it is so much more than investing for others in the stock market, the real estate market, collectible cars or bit coin.

I help people of incredibly divergent backgrounds, situations  and wealth uncover what is really important in their lives. What is truly beneficial to them and theirs. It matters not to me whether my clients are worth 5 figures or 8 figures. I love helping them make the most of what they have, live more in the present and navigate the often murky and at times treacherous waters of financial life. It’s an unknown future here on planet Earth, and I’m here to help.

All of my clients are exceptional, but this year of 2017 has been a little outside the expected. It’s been the year of the fascinating conversation. I can’t explain it any other way other than keeping an open mind and an open heart.

Here is my abbreviated story of three fascinating conversations I’ve had this year… Read More