With the first month of 2025 coming to a close, it’s a great time to look back at 2024 and review what investment type performed well. For the second year in a row, large cap equity stocks were the best performing asset class. A classic investment mistake is to chase what performed well last year…

Many of us are naturally inclined to resist change, especially when it comes to our finances. This tendency is known as status quo bias, where we prefer things to stay the same, even if changing our approach might lead to better outcomes. Whether it’s holding onto underperforming investments, sticking with outdated financial strategies, or avoiding…

With wealth comes an expansive list of financial opportunities: paying down debt, upgrading homes, maximizing retirement savings, or supporting future generations. The real question isn’t what’s possible, but what’s most important. This is where clarity and intentionality come into play. Financial planning, done properly, helps you make choices in alignment with your values. Establishing the…

One of the most overlooked aspects of a financial plan is how your ‘stuff’ will be transferred to your heirs. In some cases, beneficiary designations and a will may be all that’s needed to make sure your loved ones get your money and family heirlooms, but in other cases, it can be more complex than…

I recently read an article promoting the benefits of putting money into a CD before the Federal Reserve meeting in early November. The premise of the article was that if the Federal Reserve continues to lower rates, CD rates will also likely follow suit, so locking in rates now could benefit you. It certainly makes…

When we think of Financial Planners, we often think of people in suits with charts and financial plans. But our first “financial advisor” is usually someone closer to home—a parent or friend who influenced our money mindsets. While they didn’t provide professional financial advice, they may have shaped your feelings towards saving, spending, and other…

Being unsure whether to pay off your mortgage or not is a good problem to have. It means you have significant savings and have afforded yourself some choices. While the idea of being debt-free is appealing to many, there are also compelling reasons to keep your mortgage. Let’s explore both sides to help you make…

The U.S. Presidential election is dominating news cycles, and as an investor, it’s easy to let political fervor influence your investment decisions. However, maintaining a clear boundary between politics and your portfolio is crucial for long-term financial success. Here are several strategies to help you navigate election years without letting politics sway your thinking. 1.…

Market volatility can be unsettling, especially when you see your investments fluctuating day by day. However, staying calm and sticking to a well-thought-out strategy can help you navigate these turbulent times effectively. Here are some key steps to consider when dealing with market volatility: 1. Don’t Forget HistoryMarket downturns are a natural part of the…