In my 13 years of experience as a financial advisor, I’ve heard many reasons to delay investing: “I’ll start when the market settles,” “I need to pay off my car first,” or “I’ll double my contributions next year to catch up.” While these reasons often feel practical in the...
No one enjoys seeing an investment decline in value. However, for the strategic investor, a dip in the market isn’t just a setback—it’s an opportunity to lower your tax bill. This process is known as Tax-Loss Harvesting. With 13 years of experience navigating volatile markets, I’ve found that tax-loss...
The “traditional” nuclear family—a lifelong marriage with two biological children living in one state—is no longer the only blueprint for American life. Today’s families are beautiful, diverse, and complex. They are blended families with “yours, mine, and ours” children; they are unmarried partners with decades of shared history; and...
The traditional “office” is no longer a physical destination; it’s a laptop and a stable Wi-Fi connection. Whether you are a remote executive living in the mountains of Colorado, a consultant spending the winter in the U.S. Virgin Islands, or a digital nomad hopping between the tech hubs of...
In my 13 years of managing client portfolios across 54 jurisdictions, I’ve noticed one fear that overrides almost all others: the sight of red numbers on a quarterly statement. To the untrained eye, a 10% dip in market value looks like a 10% loss of wealth. However, there is...
For decades, the 60/40 portfolio—a mix of 60% stocks for growth and 40% bonds for safety—was the “gold standard” of diversified investing. The logic was simple: when stocks went down, bonds typically went up, cushioning the blow. However, as we navigate a sustained high-interest-rate environment, the traditional 60/40 model...
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