The Rain Day That Taught Me Cash Flow
I learned cash flow on a wet scaffold, not in a classroom. It was a Thursday. We were halfway up a block wall. […]
The Real Value of Financial Advice
The greatest value of a financial advisor is often the disaster that never happens. Most people think value looks like
Waiting Is Still a Financial Decision
In finance, doing nothing is never neutral. When decisions are postponed, defaults quietly take over. Strategies drift. Assumptions age. Priorities
More Income Doesn’t Create Financial Clarity
Earning more money rarely fixes confusion—it often magnifies it. Higher income brings opportunity, but it also brings complexity. Without intentional
Comfort Is the Most Dangerous Financial Risk
The most dangerous financial risk is the one that feels perfectly comfortable. When nothing feels urgent, attention fades. Decisions stop
Asset Protection 101
Most people are not familiar with the term “Asset Protection” (hereinafter AP). You might think the term has something to
Fidelity’s 45% Rule: Should You Really Use It as a Guide to Retirement Savings?
Financial services giant Fidelity has a rule for retirement savings you may have heard of: Have 10 times your annual salary saved
Your REAL Life Expectancy Can Dramatically Affect Your Retirement Plan
While it’s a topic many would like to avoid talking about, dealing with life expectancy is vitally important when mapping out your
Controlling Your IRA Assets from the Grave
Protect IRA Assets from Your Children’s Poor Decisions More and more wealth over the coming years will transfer between generations