Blog

Empowering You to Live Your Best Financial Life

Our expertise in financial, investment, and retirement planning will guide your path to financial fulfillment.

Sign up for our Tips!

Keep 5 Years of Net Cash Needs Out of the Market

Keep 5 Years of Net Cash Needs Out of the Market

Because we never know what the market will do in the short-term, we should not have any money invested that we plan to spend in the next 5 years.

Understand How Big Financial Changes Affect You in the Long Run

Understand How Big Financial Changes Affect You in the Long Run

At least once each year you will likely experience some big financial change. It could be a large stock award or having a baby. Or it might be missing out on a bonus round or a major repair on your home.

Have a Cash Flow System

Have a Cash Flow System

Every dollar you have should have a job. If you aren’t giving a job to every dollar then your dollars are working against you.

Keep Your Spending Categories Manageable

Keep Your Spending Categories Manageable

When thinking about your spending, be sure to lump expenses together to save yourself from being overwhelmed by the number of categories or buckets you have.

Don’t Be Afraid to Spend More Than Your Plan

Don’t Be Afraid to Spend More Than Your Plan

We only have so much willpower to get through the day and the same goes double when it comes to managing your finances. Preserve your willpower by allowing yourself to live outside your financial and spending plan from time to time.

In Your Spending, Target Only Things You Can Actually Control

In Your Spending, Target Only Things You Can Actually Control

We are too good at beating ourselves up and in our finances that happens most with our spending. While I love knowing what your spending is, be careful not to be too critical too quickly.

Create a Spending Plan

Create a Spending Plan

If you want to do everything you want in life and then die with a dollar in your bank account or whatever amount you want to leave your kids, there is a simple equation.

Match Your Spending with Your Values

Match Your Spending with Your Values

There is a lot of talk these days about aligning your investments with your values. But what about your spending? We are hard wired, it seems, to pay little to no attention to our spending.

Create an Emergency Fund

Create an Emergency Fund

You’ve probably heard this one before, but let’s bring some reality to the topic of creating an emergency fund. An emergency fund is simply a pile of cash that we keep safe and available in case we need it.

Focus on Cash Flow Over Your Entire Life

Focus on Cash Flow Over Your Entire Life

If your goal is to do everything you want in life and die with at least a dollar in your bank account, or whatever amount you want to leave to your kids, then there is a simple equation that will tell you if you are on the right track.

Work Your Finances Consistently, Even If Gradually

Work Your Finances Consistently, Even If Gradually

Just like exercise, a little bit of financial health is much better than none. Finances can be overwhelming when we try to think of all areas at once. We know it is important to have all areas of our financial lives working together, but it is simply too scary to do it all at once.

Never Take Advice that Drives Compensation for the Advisor (Without Knowing It)

Never Take Advice that Drives Compensation for the Advisor (Without Knowing It)

Would you ever go to a Toyota dealer and ask a salesman whether you should buy a Toyota, a Ford or a Mercedes? Of course not. The Toyota salesman is paid to sell Toyotas so we already know what his answer will be.