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I help my clients optimize their money decisions so that they can focus on their families and careers. Focusing on their families can add greatly to the richness of my clients’ lives, and focusing on their careers can add to their sense of satisfaction and accomplishment, and often yields greater financial rewards too. Concentration makes you rich, … You’ve probably heard the advice, “choose a job you love, because you’ll never work a day in your life!” Concentrating on

Before I became a financial advisor, I taught physics. Investing in NOT like Physics. Laws vs. Rules of Thumb: In physics, there are laws of nature that are understood so accurately that we can launch the New Horizons spacecraft from Cape Canaveral and have it fly 3 billion miles to pass by Pluto on schedule 9.5 years later. In investing, we can’t reliably predict what is going to happen tomorrow. It would be nice if there were definitive laws of investing, but humans an

Software that models what I like to call a “Financial Life Plan” has greatly improved over the past decade. New, user-friendly,...

In engineering and physics (my first two careers), the use of computers to model the behavior of complicated systems started during World...

Inflation is a critical issue in financial planning because it is essentially a tax on your future earnings. Unfortunately, investors...

You’re smart and good at solving problems. Why would you hire someone to help you with something as important as your finances when you...

Here is a quick way to calculate how many years it will take for your investment to be worth twice as much. Take the number 72 and...

Who or what do you want to have an impact on? This question is important for anyone who has been successful managing his or her money. I...

Early financial advice can yield exponential returns because of compounding. Interest, both positive interest on your investments and...

Working with couples I have found that one spouse usually takes the lead in managing the family’s finances. It’s important to realize...

I consistently advocate for investing in a diversified set of low cost, index-based mutual funds or ETFs (Exchange Traded Funds) that...

There are many types of financial planners. Unlike doctors, lawyers, and accountants, anyone can use the “financial planner” or...

Over the past 5 years, 34% of individual U.S. stocks lost money. Over the same time period, only 0.2% of U.S. stock mutual funds or ETFs...

One way to measure whether stocks are expensive is to compare the current price of the stock to the underlying earnings of the company. ...

There are currently seven U.S. Federal income tax rates in the IRS tax tables ranging from 10% to 37%. On closer inspection though,...

Mo’ Money, Mo’ Satisfaction: Once people are able to meet their basic needs for food and shelter, it makes sense that they begin to spend...

Yes (1). Then why do otherwise logical, analytical people believe they can beat the market by themselves, or by hiring an investment...

How you position and withdraw your money before retirement and in the early years of retirement can extend how long your assets last by...

IRA’s or 401(k)’s with over $500k in assets may cause tax headaches for beneficiaries who inherit them because of the new SECURE Act law....

Do any of these “money scripts” describe your attitude towards money (or your spouse’s)? Money avoidance: People who fall into this...