Portfolio & Asset Allocation

Ever get that hot stock tip? The one whispered at a BBQ or hyped on a flashy financial show. That "sure thing" destined to rocket? We all have. It's exciting! It feels like real investing. But let me ask you something I've asked countless clients over my 25+ years:...

What Is The Difference Between Asset Allocation And Diversification? Alright, let's cut right to it. If you hang around the investment world long enough, you’ll hear the same old debate, framed like a prizefight: Is it better to nail your overall asset allocation – the big-picture mix of stocks, bonds, etc. Or...

Ah, market timing. It's the siren song of investing - that seductive whisper promising you can effortlessly buy low, sell high, and dodge every market dip perfectly. Everyone feels the pull, especially when headlines are screaming about volatility. But after spending nearly 30 years advising clients, seeing firsthand what works...

Ever heard the saying, "Don't put all your eggs in one basket"? That's the core idea behind Modern Portfolio Theory Calculators (MPT), but with a lot more math. MPT, developed by Nobel laureate Harry Markowitz in 1952, is a framework for building investment portfolios. It's not about picking individual...

You glance at your compensation statement and see "RSU Restricted Stock Unit Deferral Election." Your stomach tightens. Should you defer or take them now? One wrong move can cost you six figures in taxes you didn't expect. I've spent decades guiding high-income professionals through this exact decision. Most people get...

Imagine securing an investment that's as solid as Uncle Sam's handshake, designed to outpace inflation, and shields your earnings from state and local taxes. That's exactly what U.S. Series I Savings Bonds offer—stability, growth, and peace of mind. Are you tired of watching your savings lose value due to rising...

The "Bogleheads Guide to Investing" stands out as a beacon for both novice and experienced investors who seek practical, down-to-earth advice on managing their finances. This guide, deeply rooted in the philosophy of the legendary investor John Bogle, champions low-cost index funds, efficient asset allocation, and financial literacy. It's...

Investing can feel like a tightrope walk without a net. You want the financial freedom that comes with growth, but the fear of a market crash can be paralyzing. As a financial planner with nearly 30 years of experience, I've seen the same painful story play out countless times:...