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We begin by discussing risk, aligning your portfolio with your goals, and being transparent about costs. We take the every day decision making and stresses of being an investor out of your hands, while keeping you informed and educated along the way.
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Over the past few years, 8 states have legalized the recreational use of marijuana for persons over the age of 21, and more states are likely to follow suit. There’s no fluke to this trend. Marijuana has already been scientifically proven to be less harmful, both to users and others, than alcohol or any other[…]
The emergency fund is a basic risk management tool that everyone should have in place. It’s fairly simple, and easy to implement once you understand why it’s a staple for any financial plan. It’s essentially a cash pile for you to fall back on should an “emergency” ever occur, hence the name. According to Bankrate’s[…]
Are you in the market for a vehicle and considering leasing instead of buying? Leases can seem attractive on the surface – no money down, no-cost trade-in for a newer model every couple years, low monthly payments, etc. However, oftentimes there are less obvious costs and terms associated with leases that can cost more in[…]
If you checked your credit score recently and were disappointed, you’re not alone. According to Lendingtree.com, more than 20% of Americans have a FICO score that falls under 600. This is considered a “bad” credit score that can harm your ability to borrow, lease, and even work. Debt is a real problem in the United[…]
If you’ve ever watched the pros or played golf yourself, you know just how challenging and competitive the game is. In golf, so much can go wrong so quickly and your margin for error is slim. In order to be successful in golf, there’s a number of skills to master that just so happen to[…]
Every year, dating back to 1977, Warren Buffett has written Berkshire Hathaway’s annual shareholder letter. Warren Buffets annual letter, has attracted more than just Berkshire shareholders over the years. Its essentially become gospel for investors, businessmen, and women and anyone interesting in understanding the thought process of a genius businessman and investor. Our investment philosophy can be[…]
The Roth IRA vs IRA debate, like most personal finance subjects, is unique to each individual. Everyone’s situation and financial circumstances are different, therefore there aren’t any cookie cutter solutions. The decision begins with understanding Roth IRA vs IRA debate, and when it makes sense to contribute to one or the other. Roth IRA vs[…]
Becoming a millionaire doesn’t happen overnight. Instead, it’s years and years of building and maintaining healthy financial habits along with making smart financial decisions. Many people dream of becoming a millionaire someday. It can signify financial security and the financial freedom to do and pursue the things that make us happy. It also potentially means not[…]
Employee stock options are a common benefit in the tech industry. Not only do they incentivize employees to stick around, but employees benefit directly from their hard work in the form of ownership in company stock. Understanding stock options and how to incorporate them into your financial plan is a whole other story. For some[…]
Are you feeling a little intimidated every time you go to the grocery store? How often do you walk in and spend way more than you anticipated? Do you keep asking yourself why does grocery shopping have to be such a chore? Well, the truth is, it doesn’t have to be. The separation is in[…]
By the end of 2017, the S&P 500 had gained roughly 21% and pretty much anybody who invested in the market during that time frame made money. Then 2018 rolled around, we had a stellar January and then a big crash and rebound in the beginning of February. It seemed like the stock market couldn’t[…]
The key to understanding the importance of diversification lies first with understanding risk. There are two types of risk when it comes to investing. If you’ve ever taken a finance or statistics class you’ll likely remember learning about unsystematic vs systematic risk. Understanding their differences helps investors maximize their investment returns. As advisors, it’s key[…]