Writing
Occasional writing on financial planning, investing, and the long view — for clients, prospective clients, and anyone trying to think more clearly about their wealth.
Many grandparents want to help their families without giving up the financial security they worked hard to build. This post follows a fictional grandmother named Julia through some common choices: 529 plans, Trump accounts, custodial accounts and beneficiary designations. It also explains the small checkbox that decides whether a grandchild could be left out.
Read→With the 2026 midterm elections only weeks away, many investors are wondering how the results could affect their portfolios. History suggests markets tend to drift before an election and have often moved higher once the uncertainty clears, no matter which party wins. This article explains what to watch in Washington, why the debt ceiling deserves more attention than the headlines, and how to keep election season emotions out of your investment decisions.
Read→Two retirees can earn the exact same average return and still end up in very different places, simply because of when the good and bad years arrive. This article explains sequence of returns risk in plain English, shows why it matters most in the years around retirement, and walks through practical ways to plan for it.
Read→The federal debt has climbed past the size of the entire U.S. economy, and for the first time in decades the cost of servicing that debt is starting to reshape the fiscal picture. This article explains what changed, why markets have stayed relatively calm so far, and which signals may be worth watching. Most importantly, it looks at what all of this may mean for long term investors who are trying to separate genuine risk from headline noise.
Read→As retirement approaches, many people wrestle with a single nagging question: should I retire now, or work one more year to be safe? This article walks through how that decision plays out in real life, weighing the financial benefits of waiting against the personal cost of time you can't get back.
Read→When it comes to retirement planning, the traditional advice is usually simple: save as much as possible during your working years, retire at a target age, and then enjoy the money you worked so hard to accumulate.
Read→Markets can be noisy, especially when oil prices, inflation, interest rates, and a handful of large technology companies dominate the headlines. This article explains why diversification still matters, how investors can avoid overreacting to short-term market moves, and why portfolios should be built around personal goals rather than chasing the latest winning trend.
Read→The stock market rally continued in April, with major U.S. indexes moving higher and investor sentiment improving.
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