When the New York Yankees were preparing for the 1920 season, with the newest member of their team fresh of the train from Boston, they had to have a strategy to aid the conversion of the former Red Sox pitcher to a power-hitting outfielder. After 15 seasons in pinstripes, Babe Ruth’s legacy as one of […]
15 Minute Financial Advisor
You know what seems weird? I count coins as a way to relax. Atypical of my generation or probably the majority of the country, I use cash quite often, so I frequently end up with change. I usually stash it in a little Tupperware container, much to the chagrin of my wife. Silver colored coins […]
You may have heard news about the yield curve. Or the bond yield curve. It’s an indicator that has supposedly predicted the last 9 out of 9 recessions. While the track record is intriguing, I’m not sure that the sample size is big enough. The main point of this episode is that recessions are a […]
I just got the notice on Tuesday. It’s been a year since @15MinuteFA has been stalking some of the best and brightest on FinTwit, or Financial Twitter, for the un-initiated. My wife assumes it’s a bunch of money-nerds who are obsessed with investing, the markets, fiduciaries and rap. (Yes, the music style, popularized in the […]
Spending money is a part of life in a developed economy. It’s not bad to spend money. We save money so that we can spend it! In fact, I encourage people to spend money when they have a plan for how much they can spend and still be on track to accomplishing their goals. In […]
This week’s episode comes from recent conversations with a few new clients. When I explain why I left the wirehouse (big-bank brokerage firms), it’s because I WANTED to hold myself to a different standard as an advisor. One that has a legal obligation to put the interests of my clients first. The biggest question to […]
This week, we’re going to get a little more philosophical than strategic. We’ll talk about the way things are framed, and what impact that has on the way we make decisions. We’ll look at the Framing Effect, and Dr. Walter Mischel’s Stanford Marshmallow test on delaying gratification. And of course, we will have some action […]
As we wrap up the Five Steps to Starting Your Own Financial Plan, we cover my favorite topic: Investment Planning. It’s truly important to know what you own, and the unique characteristics that come along with it. Having the other four steps taken care of will allow you to focus on creating the investment plan […]
December 2017, new tax laws for 2018 filings are enacted, February 2019, we cover Tax Planning in the fourth step of the Five Steps to Starting Your Own Financial Plan. It covers a few topics that seem to keep coming up in conversations and can make a meaningful difference with your tax returns. As you’ll […]
This week we focus on how to think about your needs, goals and priorities. Needs are going to be the basics that you have to have to survive. Goals are the things that you want to have to make your retirement, or life-after your work-for-money career is complete. And then you have to prioritize them. […]
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