Financial Planning

Budget Guidelines for the Budgeting Adverse

I had a conversation with a recent college graduate who was preparing to buy his first car. He had an encyclopedic knowledge of every feature and option offered on each car he was considering and yet seemed unsure of the right choice. I asked what was causing his indecision and he said, “I know what...

Unclaimed Money: Finding Money You Didn’t Know You Had

A client received a letter informing him that thousands of dollars in unclaimed funds in his name had been located. The “finder” company offered to help him claim this property for a fee; 10% of the value recovered. But first, our client would need to provide a copy of his driver’s license, disclose his Social...

The Who, What, When, Where, Why, And How Of Trusteeship

The trustee has a large number of duties and responsibilities to the trust maker and the beneficiaries.

Behavioral Biases Of Individual Investors

Traditional finance is based on the premise that investors are able to consider all relevant information to make rational financial decisions. The underlying assumption is that all investors are risk averse and that everyone prefers higher returns to lower returns for the same level of risk. In practice, these assumptions are unrealistic because investors are...

Financial Planning: More than Retirement and Investments

“I don’t really need financial planning. I have enough saved up for retirement so I’ll be okay.” A common misconception many people have is that financial planning is just about investing or planning for retirement. I admit, just a few years ago, I was one of those people.

How to Determine If You Need Life Insurance

I am most thankful for my health and the good health of my loved ones. But, good news aside, I’ve been thinking a lot about the end of life recently. No, I’m not depressed or terminally ill. Just like you, I plan to live well beyond my life expectancy. Perhaps this heightened awareness of the...

How Property Titling Can Affect Your Estate Plan

Most people don’t realize that how you hold title to property directly influences your estate plan. Since it’s a common misunderstanding that can dramatically alter your intentions, let’s explore why.

There Is Risk Everywhere – Keep Calm And Carry On

How to Manage a Windfall

Have you suddenly found yourself with a large sum of cash? Perhaps your windfall was expected, such as from a business sale or inheritance. Maybe it is a pleasant surprise from a large bonus or lottery win. Regardless of how it came to be, there are some critical steps you need to take to protect...

How To Evaluate Taking On “Fun” Debt

Personally, there is nothing more relaxing and exhilarating than being on a sailboat with a 15-knot wind on your beam (side), listening to the soft sounds of water splashing against the bow and using wind energy to propel the boat forward.

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Financial Planning

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