The future of financial advice (Hint: It is human)

Despite the rise of Fintech companies and robo-advisors, the future of financial advice is human. That’s what Vanguard CEO Tim Buckley thinks anyway. An ironic statement coming from Vanguard which led the revolution of low cost, passive investing that has made it easier than ever to become a DIY investor and cut traditional financial advisors out of the equation.
Happy senior man listening to music with boombox outdoor - Crazy hipster male having fun dancing with vintage stereo

7 biggest risks to your retirement plan and how to overcome them

Saving enough money for retirement is hard. You can improve your chances of achieving a comfortable retirement by taking action sooner rather than...
Number 72 made with sparklers

What is the Rule of 72?

In the world of finance, there are so many formulas and equations and acronyms it can be very intimidating for regular people who smartly, spend their time living their lives rather than obsessing over this stuff.
a couple looking at papers considering whether to buy or rent a house

Should You buy or rent a house?

A deeper dive into a familiar question by someone who has rented, purchased, and rented out properties. Here are some critical points missed by many analyses

How much money do I need to retire and not run out?

Whether you are planning for early retirement (FIRE) or traditional retirement in your late 50’s or 60’s you will need to answer two critical questions;
Roth IRA vs Traditional IRA written in the notepad

Why a Roth IRA is almost certainly better for you than a traditional IRA

And when it may not be better after all… It was 1993 and I was a post-doctoral fellow at Texas Tech University. I had just...

What is socially responsible investing?

People and businesses around the world are encouraged more so than ever to do the right thing. This includes things like: being environmentally conscious...
Woman stands at crossroad choosing passive in the sun or active in the rain

Why you shouldn’t be passive about passive investments

Remember the scene from Wolf of Wall Street, where Leonardo DiCaprio is on the phone pitching an up and coming company to someone over...

The boring way to become a millionaire

I’m not an advocate of “get rich quick” ideas. There are tons of guru’s who will promise to teach you “their way” to get rich quick. It may work for some but to me, the best way to build wealth and keep wealth is a slow, boring process that requires discipline through good times and bad.
Financial table of united states treasury bonds of varying maturities

Why you need bonds in your portfolio

I recently wrote why you need bonds in your portfolio. I do have a confession to make, in my retirement accounts, I invest 100% in...