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Clear Language & Respect

In our industry, it can feel like there’s no end to the paperwork involved in establishing and maintaining client relationships.  And while we far more enjoy getting down to the business of financial planning with our clients than having that relationship stripped of...

The Recent Days of the Dow

RE: Market!! What on Earth is going on these last few days?? The email I received from a client two weeks ago above did a great job of summing up the feelings of many people who have watched the movement of the Dow Jones Industrial Average over the past several weeks....

Costco Gas & Your Bond Portfolio

As this blog has documented over the years, I could be accused of being somewhat enamored with Costco Wholesale Stores.  Generally not a fan of chains, big box stores or even shopping in general, nearly everything about how Costco runs their business, treats their...

How Much Should I Save for Retirement?

We often preach that while rules of thumb are a necessary evil in personal finance and not a terrible place to start ignoring all other options, they don’t do nearly a complete enough job of helping people understand their personal financial picture. This week,...

December Stress

Years ago, I began to dread the month of December. The holiday season had become a stressful period when my to-do list far exceeded the time I had to complete it.   I constantly felt I was letting someone down, missing out on an experience, or forgetting something....