There’s Only One Thing Certain About Market Uncertainty

You sit down to breakfast, open the web page or your newspaper and the headline hits you right smack between the eyes: "Market Falls on _________ Uncertainty." You can fill in the blank: Global Concerns Federal Reserve Meeting Employment Report Congressional Gridlock The possibilities are endless, but there is a headline all stocked and ready… Continue reading>

From 2D to 3D: Adding The Human Dimension to Financial Planning

A typical financial plan is two-dimensional: assets minus debt = net worth. Income less expenses = surplus or deficit. All projected out into the future to discover whether a plan can work (or not). But no matter how complex and conservative the modeling, it’s all guesswork until you factor in the missing link that leads… Continue reading>

Retirement Reality Bites: It’s Time To Bite Back

According to a Bankrate.com poll (click here)  36% of Americans of all ages have not begun saving for retirement—including a rather shocking 25%+ of the 50-64 year-olds surveyed. Of course there are many uncontrollable reasons why people are financially unprepared—losing their job to the recession, an obsolete skill set, disability or runaway medical expenses. But… Continue reading>

On What Can We Agree?

We have become an “I’m right and you’re wrong” world. Local, national, global government and religious factions fight over beliefs and faith. The pathway for negotiation and reconciliation is being squeezed shut—there are no happy faces, no successes and no progress. Just more and more anxiety and nothing progresses. It has become a stalemate of… Continue reading>

Sending Your Kids Off To College (Ready or Not)

Walking through the airport in mid-August, I was surrounded by swarms of families saying their goodbyes as their teenagers embarked for their freshman college experience. Lingering hugs and tears—parents sending kids off to their next chapter, with lots of fears, hopes and unknowns ahead. I could empathize with them (been there, done that.) It's a… Continue reading>