Subscribe

Your weekly guide to thriving in every aspect of life—Physical, Mental, Spiritual, and Financial Wellness.

While the Fed and the market are fairly aligned in their expectations, fixed income markets are likely to remain somewhat volatile while the fiscal impacts of the new administration’s policies become clearer.  However, higher yields insulate bond investors from interest rate risk and elevated equity valuations make bonds more attractive on a relative basis. Given the level of concentration within US equity markets, we believe that international, value and small-cap equities provide a critical element of diversification.  We advocate building portfolios to achieve your long-term goals as opposed to trying to react to the latest headlines.  Please don’t hesitate to reach out to your advisor to schedule time to discuss your financial plan, including your goals and planning assumptions. 

Your weekly guide to thriving in every aspect of life—Physical, Mental, Spiritual, and Financial Wellness.

Every investor has heard at least one “rule of thumb” that sounds too simple—or too ominous—to be true. Some of these “tried and tested” maxims come from decades of market folklore; others are simply repeated so often they start to feel like fact. In this post, we’ll debunk six common investing myths using historical data and a long-term perspective.

If we want to set the next generation up for success, we need to go beyond achievement and income. We need to help them invest in their strengths, align their financial choices with their values, and build lives of purpose, impact, and fulfillment.

Your weekly guide to thriving in every aspect of life—Physical, Mental, Spiritual, and Financial Wellness.

When approached thoughtfully, wealth can be a catalyst for growth and opportunity rather than a source of conflict. Families that prioritize clear communication, shared values, and personal accountability are better positioned to navigate the challenges of the generosity gap.

Working at Cleveland Clinic comes with a variety of financial perks—chief among them are the retirement plans that can help you build long-term wealth. Understanding how to leverage each plan fully can feel overwhelming. Below, we break down the key features of the 401(a), 403(b), and 457(b) plans, plus the Equity Accumulation (EA) program. We’ll also explain how to implement a “mega backdoor Roth” strategy within the 403(b), so you can take your retirement savings to the next level.

Your weekly guide to thriving in every aspect of life—Physical, Mental, Spiritual, and Financial Wellness.

Your weekly guide to thriving in every aspect of life—Physical, Mental, Spiritual, and Financial Wellness.

Your weekly guide to thriving in every aspect of life—Physical, Mental, Spiritual, and Financial Wellness.

Historically, attempting to time markets and chase the latest winners has proven to be a poor investment strategy.  While some investors can be captivated by recent return trends, it’s critical to understand how your investments are working together to achieve your financial goals.  Constructing an investment allocation that fits with your unique financial plan reduces the temptation to chase shiny objects. 

Your weekly guide to thriving in every aspect of life—Physical, Mental, Spiritual, and Financial Wellness.

The Gallagher brothers’ reunion reminds us that family conflicts can be mended—but in estate planning, clear communication, thoughtful succession, and professional guidance are key to preserving relationships and legacy.

When it comes to managing your finances, it’s easy to focus solely on numbers—budgeting, investments, retirement goals. But what often gets overlooked is the emotional and behavioral side of money.

Your weekly guide to thriving in every aspect of life—Physical, Mental, Spiritual, and Financial Wellness.

Family businesses are unique because they carry both the weight of history and the promise of the future.

From my experience working with wealth management clients, I’ve noticed a common thread among those who find real fulfillment in their financial success. They view money not as the end goal but as a vehicle—a means to pursue what matters most. It’s the foundation that lets them start a foundation, create lasting memories with loved ones, or explore new interests without constraints.

According to Investopedia “wealth is measured by taking the value of all the assets of worth owned by a person. This is determined by taking the total market value of all physical and intangible assets owned, then subtracting all debts. Essentially, wealth is the accumulation of scarce resources.”

After my first son was born, I began to think about what the next phase of our lives looked like. We went from two busy professionals who could hop on a plane for a weekend trip, grab dinner, or chase endless weekend adventures to first time parents. We were 2,000 miles away from family trying to plan the one or two trips a year that we could see them which led me to ask this question, how many summers do we have left?

Our humans are brains are instinctively wired to prioritize immediate needs and wants, such as quenching hunger, ensuring safety, or yielding to the allure of instant gratification. This is a survival mechanism that has evolved over tens of thousands of years to help us respond to threats, opportunities, and ultimate survival. However, this tendency to emphasize the short term can be counterproductive and have a detrimental effect when it comes to planning and our financial success.

“Hey, do you want to grab onto the kayak?” These words echoed in my ears as I struggled through the swim portion of my first Olympic distance triathlon. There I was floundering in the water, struggling to breathe, and flopping between a bad backstroke and freestyle.  I lifted my head and painfully realized I was the last one in the lake.

Investing can be an emotional roller coaster, with the excitement of portfolio growth followed by the panic of market downturns. This emotional ride is rooted in the experience of loss aversion, a psychological principle suggesting the pain felt from financial loss is twice as potent as the pleasure experienced from a similar gain. However, it's crucial to recognize that allowing our emotions to guide our investment decisions can lead to irrational choices.

Our humans are brains are instinctively wired to prioritize immediate needs and wants, such as quenching hunger, ensuring safety, or yielding to the allure of instant gratification. This is a survival mechanism that has evolved over tens of thousands of years to help us respond to threats, opportunities, and ultimate survival. However, this tendency to emphasize the short term can be counterproductive and have a detrimental effect when it comes to planning and our financial success.

Our humans are brains are instinctively wired to prioritize immediate needs and wants, such as quenching hunger, ensuring safety, or yielding to the allure of instant gratification. This is a survival mechanism that has evolved over tens of thousands of years to help us respond to threats, opportunities, and ultimate survival. However, this tendency to emphasize the short term can be counterproductive and have a detrimental effect when it comes to planning and our financial success.

A recent study conducted by Fidelity found that healthcare and medical expenses for a 65-year-old retiring in 2021 are expected to surpass $300,000 throughout retirement. This represents a 30% increase from a decade ago and a staggering 88% rise from twenty years ago.

Our humans are brains are instinctively wired to prioritize immediate needs and wants, such as quenching hunger, ensuring safety, or yielding to the allure of instant gratification. This is a survival mechanism that has evolved over tens of thousands of years to help us respond to threats, opportunities, and ultimate survival. However, this tendency to emphasize the short term can be counterproductive and have a detrimental effect when it comes to planning and our financial success.

Our humans are brains are instinctively wired to prioritize immediate needs and wants, such as quenching hunger, ensuring safety, or yielding to the allure of instant gratification. This is a survival mechanism that has evolved over tens of thousands of years to help us respond to threats, opportunities, and ultimate survival. However, this tendency to emphasize the short term can be counterproductive and have a detrimental effect when it comes to planning and our financial success.

Our humans are brains are instinctively wired to prioritize immediate needs and wants, such as quenching hunger, ensuring safety, or yielding to the allure of instant gratification. This is a survival mechanism that has evolved over tens of thousands of years to help us respond to threats, opportunities, and ultimate survival. However, this tendency to emphasize the short term can be counterproductive and have a detrimental effect when it comes to planning and our financial success.

Our humans are brains are instinctively wired to prioritize immediate needs and wants, such as quenching hunger, ensuring safety, or yielding to the allure of instant gratification. This is a survival mechanism that has evolved over tens of thousands of years to help us respond to threats, opportunities, and ultimate survival. However, this tendency to emphasize the short term can be counterproductive and have a detrimental effect when it comes to planning and our financial success.

Our humans are brains are instinctively wired to prioritize immediate needs and wants, such as quenching hunger, ensuring safety, or yielding to the allure of instant gratification. This is a survival mechanism that has evolved over tens of thousands of years to help us respond to threats, opportunities, and ultimate survival. However, this tendency to emphasize the short term can be counterproductive and have a detrimental effect when it comes to planning and our financial success.

Our humans are brains are instinctively wired to prioritize immediate needs and wants, such as quenching hunger, ensuring safety, or yielding to the allure of instant gratification. This is a survival mechanism that has evolved over tens of thousands of years to help us respond to threats, opportunities, and ultimate survival. However, this tendency to emphasize the short term can be counterproductive and have a detrimental effect when it comes to planning and our financial success.

Our humans are brains are instinctively wired to prioritize immediate needs and wants, such as quenching hunger, ensuring safety, or yielding to the allure of instant gratification. This is a survival mechanism that has evolved over tens of thousands of years to help us respond to threats, opportunities, and ultimate survival. However, this tendency to emphasize the short term can be counterproductive and have a detrimental effect when it comes to planning and our financial success.

Investing can be an emotional roller coaster, with the excitement of portfolio growth followed by the panic of market downturns. This emotional ride is rooted in the experience of loss aversion, a psychological principle suggesting the pain felt from financial loss is twice as potent as the pleasure experienced from a similar gain. However, it's crucial to recognize that allowing our emotions to guide our investment decisions can lead to irrational choices.