Making decisions can be hard. Pivotal moments in life.  The right answer isn’t clear.  The pros and cons seem to neutralize. Yet, usually our intuition leads us one way or the other.  This is where friends and family tell us to ‘trust your gut’, despite there not being an intellectually obvious answer. Career transitions, retirement…

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Maybe you remember the Walt Kelly cartoon from 1971 about pollution: “We have met the enemy, and he is us.” Most speed bumps in life I can trace back to my own transgressions. Forgive my golf metaphor: all rounds consist of “bad breaks” – those never ruin the round, though.  It’s the reaction to the…

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“The Great Resignation is real.”  I recently went for a walk with a close friend, and he used this line in reference to people leaving his current employer.  It resonated as the conversations I’ve had in the last year regarding transition have dramatically escalated for people.  Not just job to job – but Baby Boomers…

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Broker dealers and banks have discovered that lots of people will make their financial services decisions based on their online experience – “how is my information delivered to me?” is ultimately the question being asked.  The same goes for choosing an advisor.  In nearly every reputable survey, both trust and communication are ranked above portfolio…

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Simplicity is a concept that most agree is worth integrating in our lives. I’ve never heard someone say, “I’d really like to complicate my life more.”  But, I’ve heard plenty say, “It’d sure be nice to simplify things.” Simplicity seems to be a healthy approach for lifestyle and how we manage our personal finances. The…

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A boss in my early 20s said to me once in passing: “One thing at a time, right?” Who knows what preoccupied me.  But do I ever remember feeling called out.  He put his finger right on a major weakness. I remember where I was standing, the weather, even his shirt – over a decade…

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1. They don’t secretly demonize or idolize money.  A happy investor recognizes two sides of the same coin: that they could want all the money or resist money.  Either way, they’ll be caught in the same web.  They realize money will elude them if they shun wealth.  Conversely, they’ll never experience the benefits if consumed…

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All three contribute to how we get closer to knowing something as true and making something actionable. If either three stand alone, though, it’s a wobbly stool.  Nothing to self-correct or check and balance. Experience alone leads to foolish behavior – overly greedy or overly fearful – without the acknowledgement of the past and current…

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There’s common chatter amongst financial advisors and investment professionals about how often we need to defend diversification. Quite frequently, diversification will be out-performed by plenty of benchmarks. It’s the untimely market declines and the counter-intuitive amount of time to recover from a decline that gives diversification value. And this value doesn’t reveal itself all that…

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To state an obvious: there’s tension between making plans and embracing the unknown. Making plans gives us clarity, the plans energize us, and the plans give a ‘why’ to our day-to-day.  These plans dictate where and what we do. They offer clarity to why we ‘chop wood and carry water’ as the saying goes. While…

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