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Category: Uncategorized

Navigating Investment Challenges: Insights from Three Decades of Financial Planning

by Dave Conley on February 2, 2024.

Let me start by stating one can gain investment know how (knowledge) by reading books listening to podcasts, and studying investment materials. In the same way one can learn to walk a tightrope by practicing in the backyard on a rope 6 inches off the ground. You can become very good at navigating that tightrope in the backyard. When the tightrope is strung between two buildings 300 foot off the ground that "experience" isn't as valuable.

All The Feelings!

by Randy Chalmers on November 10, 2023.

Have you ever felt that investing can have you feeling excited, worried, angry, sad, and some other emotion all at once? You’re not alone, nor are you abnormal! Behavioral finance is an area of study that examines the impact of emotion, cognitive biases, and other psychological factors on financial decision-making and hence on financial markets....

What is in an Estate Plan?

by Dave Conley on August 25, 2023.

What is in a simple Estate Plan? If you’re like most people, with a few kids and a house, you only need a will. You can use an online service like www.freewill.com or www.mamabearlegalforms.com. The most common option is to meet with a local lawyer to help you discuss and setup the three documents needed...

Estate Planning 101

by Dave Conley on August 11, 2023.

Estate planning is just a fancy legal-ish word for what you want to happen to your money and stuff when you die or become disabled.

Think Twice Before Dipping into Your 401(k) for Emergencies

by Randy Chalmers on August 4, 2023.

Life will throw curveballs at you when least expected. As you’re faced with emergencies, your 401(k) might seem like a quick fix or even your only option. It is necessary to consider the downsides before you act. I’ll explain why tapping into your retirement savings early might not be the wisest move and suggests other...

July 4th, 2023, is America unique in history?

by Dave Conley on July 3, 2023.

What is American Exceptionalism? There is no other country in the world that represents the blend of classical philosophy, Christianity, and even Enlightenment ideas in the way America did in the founding of the republic from 1776 to 1789. It was an exceptional (meaning uncommon) mixture of liberty, limited government, natural rights, and religious liberty...

Economic Outlook for 2nd half of 2023

by Dave Conley on June 16, 2023.

Below is a recent (June 1, 2023) Economic Outlook diagnosis from the folks at Capital Group. A few highlights and a link to the entire article (10 minute read). Link to short report, Economic outlook: Mild recession, strong recovery.

How to Maximize your Social Security benefit (pt 3)

by Dave Conley on June 16, 2023.

If you have wondered: When should I start my Social Security ? Age 62... 67 or wait until 70 . What is the difference in benefits at the different ages ? I have heard that it is best to start as early as possible in case you don't live very long. If I start early how much can I earn before being penalized by Social Security ? Can I collect based on my spouse (or ex-spouse) earnings history?

When You Win the Lottery

by Randy Chalmers on June 2, 2023.

I know I’m not alone in this, and occasionally you and your family are sitting around talking (and dreaming) about what you would do if you won the lottery. As the purchases get discussed, the topic arises of how you would take the money, in a lump sum, or as an annual payment over the...