by Andrew Rabon on October 17, 2025.
This past Sunday, October 12th, marked the third anniversary of the current bull market. Since its start in 2022, the market has surged 89%, well above historical averages. It’s the 27th bull market since 1872 and the 14th since 1950, and while past performance doesn’t guarantee future results, history suggests markets with this kind of...
by Dave Conley on February 9, 2024.
As a seasoned financial planner with over three decades of experience in the industry, I've witnessed countless instances where investing common sense has clashed with our natural instincts. It's a fascinating paradox...
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.
by Dave Conley on January 26, 2024.
Welcome to the complex yet fascinating world of investing. Like you, I am an investor and over the past five decades, I've had the privilege of witnessing the intricacies of financial markets, making my fair share of mistakes, and, most importantly, learning from them. As you embark on your investing journey, I'm here to share with you the ABCs of investing, with a touch of wisdom gained through experience.
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...
by Randy Chalmers on August 11, 2023.
We’ve blogged about responsible credit card usage, calculations used to determine minimum payments, and other points on credit cards. This week we’ll discuss some common “tips” you may receive from friends and family about credit cards. Myth #1 Paying the minimum balance is ok Sure, paying the minimum due is acceptable and it’s actually welcomed...
by Randy Chalmers on July 14, 2023.
Do you know what percentage of income your mortgage payment is? Your car loan? Do you set debt targets? Debt targets are not a new concept, however, in my opinion, they are not discussed nearly enough with individuals of all stages of life. When you bought your first house did you aim for your mortgage...
by Randy Chalmers on July 7, 2023.
You’re saving just the right amount in order for your family to afford the necessities plus a little extra in retirement. We all dream of retirement sitting on our porch with our favorite beverage as the sun is going down, but what about the day leading up to that peaceful evening? Have you included your...
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...
by Dave Conley on June 6, 2023.
What determines the amount of your Social Security benefit? How to determine what your benefits? The mistake over 40% of all retirees make when starting their Social Security.