financial checklist for newlyweds

Financial Checklist for Newlyweds

Of the many exciting and potentially stressful items on the to-do list prior to or after getting married, is to organize joint finances. Hopefully, conversations around finances have already been had prior to getting married so that each spouse has a good idea of the other’s financial situation. Having these conversations are extremely important because[…]

How to Articulate and Prioritize Financial Goals

When people initially reach out to myself or other financial planners, it’s typically centered around particular financial questions, goals, or issue they need help with at that particular point in time. Other times, it’s a combination of all these things, as their situation has become too complex for it to be worth their time and[…]

introduction to behavioral finance

Introduction to Behavioral Finance and Common Investor Biases

Modern portfolio theory is a generally accepted practice used by many financial advisors, individual investors, and large institutions in managing their investment portfolios. It aims to optimize the expected return based on a given amount of “risk”. Through diversification, the portfolio becomes more efficient at optimizing returns. This takes into account a plethora of mathematics[…]

ways to increase cash flow

5 Ways to Increase Your Personal Cash Flow

Our personal cash flow is the underlying tool we use to achieve our financial goals. A salary or some form of compensation for performing a job is typically the most common form of personal cash flow. On a monthly basis, we decide what to do with our cash flow and how it’s allocated ultimately determines[…]

tracking your net worth

Why Tracking Your Net Worth Is Important

Our personal balance sheets can tell us a lot about our current financial standing. It’s simple, assets minus liabilities equals net worth. Over time, the goal is to pay down liabilities, increase assets, and in turn increase net worth. If you’re sticking to a strategy that essentially sticks to this basic concept, you’re more likely[…]

annual letter

What We Can Learn From Warren Buffett’s 2018 Annual Letter

Berkshire Hathaway’s and Warren Buffett’s annual shareholder letter is typically a treasure trove full of business and investing insight. Along with thoughtful perspective on the important roles investors, managers, and businesses play in our economy. This years letter was no exception! In this article, I’ll break down the most compelling, insightful, and thought-provoking quotes from[…]

benefits of working with a financial advisor

The Intangible Benefits of Working With A Financial Advisor

Prior to entering the financial services industry, I had this notion that financial advisors provided their value purely as stock pickers. That their job was to help their clients “outperform” the market by helping them to select the best-performing stocks. As my experience grew in the industry and as the industry has continued to evolve[…]

what to do with my rsu's?

What to do with my RSU’s?

RSU’s or restricted stock units are a form of equity compensation often awarded to employees in the technology industry. They’re used as additional compensation in addition to a base salary in the form of stock ownership in the company. RSU’s can be an extremely valuable form of compensation and offer several planning opportunities. However, if you’re[…]

healthy financial habits

Why Developing Healthy Financial Habits is Better than Budgeting

Long-term financial success can largely be attributed to how we manage our monthly cash flow today. That’s not to say it 100% predicates whether we’ll be financially secure in the future, but it does greatly enhance our chances. When it comes to managing our monthly cash flow, oftentimes personal finance gurus will point to strict[…]

5 Tips to Managing A Market Correction

Odds are if you’re an investor, you’ve experienced market corrections along your journey. Market corrections are classified as a drop in 10% or more from the asset class highs. For example, the S&P 500, the index for large-cap U.S stocks, experiences a correction on average once per year according to Deutsche Bank. Naturally, you’d think investors[…]