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Blog

What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along. 

 

Thursday, January 18, 2018

The focus of most people (including advisors) has been on Rate of Return. It makes sense. It’s the fun piece to talk about when speaking into someone’s finances. It’s what the advisor enjoys and the client also...

 

Wednesday, January 3, 2018

Tactic vs Strategic Financial Planning Instant gratification. That is what we are used to these days. We want things to happen as quickly as possible. A lot of times we take that same philosophy with our finances. We look at our...

 

Tuesday, May 16, 2017

Law Enforcement and Firefighters across the nation serving as federal, state and local government employees have lifetime earnings that are divided between employment that is covered by the Social Security system and employment that is...

 

Friday, April 21, 2017

The most common reason people work with a financial advisor/planner is to plan for retirement. The most common topic of conversation is around investments. Typical questions are: What risk tolerance do you have? What investments do you...

 

Monday, April 17, 2017

As a Millenial or Gen X'er ( not sure which I fall in as there are different definitions out there), I was not taught about money. I don't blame my parents either, as I don't think they were taught. I find this extremely interesting. I...

 

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Monday, March 27, 2017

For Washington State police and firefighters, a 2016 study conducted by the LEOFF 2 Retirement Board found that their members need to have an 85% income replacement ratio in retirement to maintain their pre-retirement standard of...

 

Friday, November 18, 2016

Our industry has spent years chasing rate of return. Trumpeting results and what percentage of their funds "Beat their Lipper Average". Encouraging folks to chase after the ever elusive best performing stocks, mutual funds, REITs, ETFs...

 

Thursday, October 13, 2016

Many people have heard of Umbrella Policies. The questionsis do they understand what they are and what they do? Here is the answer: An Umbrella Policy is a third party liability policy that typically goes above and beyond your auto and...

 

Thursday, September 29, 2016

As a kid, I loved to play sports. I excelled at it. Without a lot of effort, I played several sports in high school. However, I never made it any further because I never pushed myself. For instance, my junior year of high school, out...

 

Friday, September 23, 2016

Order of Operation Managing your finances is a blend of art and math. The people whom are the most successful at it, treat it more like math. Today we explore the basics of the math. Yes, we all know that Income > expenses, or at...

 

Wednesday, September 14, 2016

The traditional model for financially advising clients is broken. This is due to so much changing over the years and the fact that we have done nothing to adapt. The pensions and guarantees that used to live inside of our work place...