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Category: Education

What’s the Best Way to Transfer Assets After Death?

by Dave Conley, CFP® on January 16, 2026.

One of the biggest questions families ask is simple but important: What’s the best way to pass assets to loved ones after we’re gone? Two common tools are Transfer-on-Death (TOD) designations and trusts. Both can work well—but they do very different jobs. Transfer-on-Death (TOD): Simple and Direct A Transfer-on-Death designation lets you name who receives...

Investing Isn’t Easy: Headlines and Fairytales

by Andrew Rabon, CPFA® on October 31, 2025.

When it comes to investing, stories can be powerful. A good story can make people excited, confident, or even a little fearful — and those emotions can move the market just as much as company performance does. When that happens, people start buying or selling based on headlines and hype rather than what a company is actually worth.

Why Your Behavior With Money Matters

by Andrew Rabon, CPFA® on October 24, 2025.

Baseball Hall of Famer Yogi Berra once said, “Baseball is 90% mental; the other half is physical.” The same can be said about money and investing — 90% of it is behavior, and the other “half” is knowledge.

What is in an Estate Plan?

by Dave Conley, CFP® 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...

Riding out the Inevitable Storms

by Randy Chalmers on August 18, 2023.

Let’s tackle a topic that has been on many investors’ minds in the last few years, and has prompted more than just a few blog postings. Being worried during market downturns is understandable and NORMAL; but I want to emphasize the importance of viewing investing as a long-term endeavor, and how to avoid (and why...

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

by Dave Conley, CFP® 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...