Money Scripts, Part 2: How to Rewrite the Ones That Don’t Serve You
Naming your money script is one thing — changing it is another. Part 2 offers practical ways to manage your money scripts, with specific strategies for each of the four common patterns: status, worship, avoidance, and vigilance. Real change starts with noticing the habit underneath the behavior, not with willpower.Continue reading→
Preparing for Medicare: What to Know Before You Turn 65
One of the biggest financial decisions in retirement has nothing to do with your portfolio: enrolling in Medicare on time. The window around age 65 is short, and missing it carries lifelong penalties. Here’s a plain-English look at Parts A–D, Medigap, and the income surcharges that catch higher earners.Continue reading→
Money Scripts: The Stories We Tell Ourselves About Money
Most of us inherit beliefs about money long before we ever manage any of it. These unconscious "money scripts" quietly shape how we save, spend, and invest as adults — often without our noticing. Recognizing the pattern running underneath your financial decisions is the first step toward changing the ones that aren't serving you.Continue reading→
Practicing Good Estate Plan Hygiene
An estate plan is only as good as the life it reflects — and life keeps moving. Beneficiaries change, fiduciaries age out, and assets get retitled. Here are five areas worth reviewing every year to keep your plan aligned with what you actually want today.Continue reading→
Trump Accounts: What Families Should Know Before They Contribute
Trump Accounts offer tax-deferred savings for children starting this July — and eligible kids born 2025–2028 receive a free $1,000 head start. But for affluent families, the real question isn't whether to open one. It's whether you have a plan for what happens at age 18.Continue reading→
Client Question: How Do I Give My Kids a Head Start on Investing?
From 529 plans to custodial Roth IRAs, families have several ways to help children and grandchildren build long-term wealth. The right strategy depends on taxes, control, flexibility, and the role money should play across generations.Continue reading→
Wars, elections, trade disputes, and geopolitical shocks can create significant market uncertainty, but reacting emotionally to headlines has historically been costly for long-term investors. A disciplined financial plan is designed to withstand periods exactly like these.
In recent months, two themes have dominated investor conversations: AI investing and the renewed belief in gold as a timeless safe haven. Both trends have resurfaced at the exact moments when crowd enthusiasm is high. That’s why we’re taking a closer look at the gold safety myths and the rising excitement around artificial intelligence as we enter the final stretch of 2025.
It’s our pleasure to report on the progress of your long-term financial plan through what proved to be a highly instructive first half of 2025. If markets seemed unusually dramatic, it’s only because they were, but not in ways unfamiliar to seasoned investors. Let me begin by restating a few principles that have guided us…
The first quarter of 2025 served as another vivid reminder that while history doesn’t repeat itself in investing, it often rhymes. We entered the year amid considerable volatility, as the largest technology stocks fell into bear market territory, triggering the seventh-fastest 10% correction in the S&P 500 since 1929. This correction gained momentum following President…
Over the years, I have spent more ink cautioning investors about the perils of bear markets rather than celebrating bull markets because discipline is tested in tough times. However, as evidenced by today’s somewhat stretched valuations, let’s talk about the other great pitfall: the fear of missing out (FOMO).
“The first rule of compounding is to never interrupt it unnecessarily.”
—Charles T. Munger
As we navigate a world of shifting dynamics, it’s wise to stay grounded in the fundamentals.
I am pleased to update you on our progress in the first half of 2024. Before examining the current market landscape, it is worth reflecting on what our disciplined approach has delivered so far.
While strong market performance is encouraging, it can also trigger a less favorable response within the investment community. On the opposite end of the spectrum from selling during market downturns, some restless investors might be tempted to chase after speculative trends, no matter how closely they resemble past “Fear of Missing Out” (FOMO) frenzies.
The unpredictability of markets became evident in 2023, as The Wall Street Journal aptly reported: “Almost no one thought 2023 would be a blockbuster year for stocks. They could hardly have been more wrong.” As we step into the new year, it brings the opportunity to reflect on the intricacies of the equity markets, not…
Contemplate how invaluable your steadfastness is to those you love and care for. This is the gift you give.