You may have heard from news pundits or market veterans (I’ll lump myself with the latter) that the pool of available companies to invest in has been shrinking over the last 30 years. Many companies that would…

When investors choose a financial advisor, they often focus on investment performance, fees, brand recognition, or the size of the firm. Those factors matter. But I would argue there is a more important question underneath all of…

Why Certain Financial Products are Risky and How to Avoid Them In my 30 years in this business, I’ve witnessed countless investment products rise and fall. Many of these offerings were created by major financial institutions with…

The phrase “stranger danger” is usually reserved for children and personal safety, but it has a surprising relevance for adults and their finances. An overlooked danger for many of us is becoming strangers to our own money.…

While financial advisors may tell their clients to think of their life in financial buckets, it’s not exactly the easiest framework to focus on. Whether it’s because the concept seems too abstract or that people can only…

Why timing matters more than most investors expect For many long-term investors, confidence has been earned the right way. Years of steady saving, regular contributions, and staying invested through market ups and downs reinforce a simple belief.…