It’s Not About The Goal: How Financial Planning Has It All Wrong

Alice and John said that their goal was to travel in retirement. They laid out detailed trips to exotic locations, opportunities to explore and soak in new cultures and customs. It was clearly very high on their list. After they finished waxing poetic on their various dream destinations, we started to talk about their three… Continue reading>

So You’ve Got A Modern Family. Can You EVER Retire?

We live in an era where families are blended, extended, same sex, two-earner, one-earner, unmarried, married, remarried and otherwise combined. We have or adopt our kids older than in previous generations. And just as we are building our families, our parents and grandparents are living longer and may not have the resources to pay for… Continue reading>

Adopting A Holiday Mindset (Without Going Broke)

Holiday time, instead of promoting peace, happiness, celebration and gratitude, has become equivalent to hand-to-hand combat. We charge through the stores looking miserable, impatient and angry—definitely not in alignment with the merry jingles playing on the sound system. Or we stress out on-line, clicking our way into debt as we try to make everyone happy.… Continue reading>

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>