Investment Planning
Risk Tolerance in Investing: How Much Risk Can You Really Handle?
Let's stop guessing about your risk tolerance. After nearly 30 years of guiding clients through the euphoria of the dot-com bubble, the gut-wrenching panic of 2008, and the wild swings of the 2020s, I can tell you one thing with absolute certainty.
Most investors have no idea what their true...
Double a Penny For 30 Days – How Much Is A Penny Doubled For 30 Days Worth?
Do you want to unlock the secret to exponential growth?
Well, buckle up because we're about to reveal the magic of a single penny doubling for 30 days.
Imagine turning a single cent into an astronomical sum in just one month! 1 penny doubled for 30 days - how much do you think it would be...
Compounding Interest’s Hidden Accelerant: Strategies to 10x Your Wealth & Exponential Growth
Ever stared at your 401(k) statement, wondering if that 0.8% creep is real progress or just inflation's cruel joke? In my three-decades in the trenches, I've watched $50 monthly coffee skips morph into $1.2M nest eggs.
But here's the gut-punch: 72% of millennials forfeit over $450,000 in lifetime growth...
Florida 529 Plan Guide 2025: Savings vs. Prepaid, Clearly Explained
What parent doesn't dream of a bright future for their child? As a personal financial planner for almost 30 years, I’ve sat with hundreds of Florida families who were planning for their kids college savings. And the conversation always turned to the same anxious question:
"How on earth...
Using a Roth IRA for College: A Planner’s Guide to the Hidden Traps
As a retired financial planner and a father of two college-aged sons, I’ve spent countless hours at the kitchen table with families mapping out their college savings strategies. Inevitably, the same tempting question comes up: "Can we just use our Roth IRA to pay for college?"
On the surface, it...
How to Start Investing: A Beginner’s 3-Step Guide into 2026
Feeling like you should be investing, but the thought of it is completely overwhelming? If you hear terms like "asset allocation" and "expense ratios" and your brain just shuts down, you are not alone.
As a retired financial planner with almost 30 years of experience, I can tell you the...
Cryptocurrency Unveiled: How Digital Currencies Work & Should You Invest in 2025?
In late 2024, I sat with a client, a successful dentist, who, against my advice, poured $50,000 into a dozen obscure altcoins after seeing his nephew's gains on TikTok. By March of 2025, that portfolio was worth less than $10,000. He wasn't investing; he was chasing a lottery ticket.
My...
Webull Review 2026: A Planner’s No-Nonsense Verdict
Picture this: it’s July 17th, 2025, and you’re staring at your phone, tempted by Webull’s sleek app promising free trades. Sounds like a no-brainer, right? Not so fast.
As a financial planner with 3 decades of steering clients through market mazes, I’ve seen “free” platforms cost investors dearly in...
How SIPC Insurance Works: The Truth Behind Your Investment Protection
If you’re an investor, you’ve seen the letters "SIPC" on your brokerage statements. Most people see it and think, "Great, my money is insured," and move on. They treat it like a label on a food package. Reassuring, but not worth reading the fine print.
After nearly 30 years as...
Is Webull FDIC Insured? The Plain-English Guide to Account Safety
As a financial planner for nearly 30 years, I’ve seen every new investing app that promises to change the game. Webull, with its slick interface and zero-commission trading, is certainly one of the most popular. But the first question I always get from savvy clients and cautious new investors...