Financial Independence Is An Onion

By Mitch Custenborder | November 26, 2019

There are many complicated layers to being financially independent – like an onion.  First a quick personal story for analogy. I use Wednesday as a day to be less structured.  It’s my day to be in…

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“Get Off My Lawn” vs. “But This Job Isn’t My Passion”

By Mitch Custenborder | November 14, 2019

The topic of polarization has been covered at nauseum, especially in consideration of our current political landscape, but I’m going to give it a whirl from a slightly different angle – and, make the claim that…

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Finding Advice Applicable to You

By Mitch Custenborder | October 31, 2019

I recently wrote about the ‘expert mindset’ in Be Wary of the Expert.  The post was meant to encourage all of us to continually learn and be open to being wrong vs putting a stake in the…

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Fill Up That Tax Bracket for Uncle Sam (And You)

By Mitch Custenborder | October 25, 2019

We all have a silent business partner.  His name is Uncle Sam.  He requests that you buy him out before you take your money home.  He gets a bad rap, but he’s not a bad guy. …

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Be Wary of the Expert

By Mitch Custenborder | October 10, 2019

If only I could take credit for this recent Tweet by an industry colleague: Me: Oh, that’s interesting.  I’m not familiar with that designation.  What’s it stand for? Other finance dude: Ummmmm, I don’t really remember. …

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$1,000 Decisions vs $100,000 Decisions

By Mitch Custenborder | October 3, 2019

$1,000 decisions are important.  Managing your cash flow is important.  If ignored, they can add up to much larger concerns.  $100,000 decisions are even more important.  Because they are often less obvious, more abstract, beyond conventional…

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Long Mortgage? Anyone?

By Mitch Custenborder | September 30, 2019

In the last 12-18 months, I’ve fielded a lot of questions about mortgages and how they tie into your financial plan.  There seems to be a knee jerk reaction that not carrying a mortgage is your…

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Dancing with Your Fear and Greed

By Mitch Custenborder | September 18, 2019

In Q3, we typically revisit our client’s risk tolerance.  This year, that review seemed particularly applicable given the volatility we saw in the months of July and August.  I was curious what sort of responses we’d…

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My Investment Rules of Thumb

By Mitch Custenborder | September 9, 2019

Transportation/Destination first Your financial plan represents your transportation and destination(s), while your investment portfolio (among other items) are your fuel.  Most importantly, your plan is determined before you fuel the airplane.  Otherwise, our investment selection is…

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