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Investing always comes with a degree of uncertainty. Markets move in cycles, companies face challenges, and the global economy shifts in ways that are often hard to predict. But one strategy has stood the test of time in helping investors smooth out the ride: diversification. As a Certified Financial Planner, I often tell clients that […]

A few weeks ago, I spent several days up in Canada, mixing business with a little golf. If you’ve ever been to Northern Ontario, you know how stunning the wilderness can be—dense pine forests, endless lakes, and some of the best fishing you’ll find anywhere. But let’s just say, my experience in the cities especially […]

Life moves fast. And if you’re like most people, your finances can easily drift off course without you noticing. That’s why a mid-year financial checkup is one of the smartest moves you can make. As a Certified Financial Planner®, I often tell my clients that July is the perfect month to pause, reflect, and reset. […]

“Money is a terrible master but an excellent servant.” — P.T. Barnum Money’s a funny thing. You work hard to save it, and then what? You spend it and feel guilty. You don’t spend it and feel deprived. You help your kids, and it stresses your retirement. You don’t help them, and you feel selfish. […]

Creating wealth that lasts beyond your lifetime isn’t just about making more money—it’s about being intentional with it. As a Certified Financial Planner, I’ve seen firsthand how families build legacies—or watch them unravel—based on the choices they make today. If you want your wealth to grow and flow into the future, here’s how to make […]

Sometimes the best advice doesn’t come from a boardroom. It comes from the recovery room. A few weeks ago, I was at University Hospital with Laura—again. Another foot surgery. Another set of stitches. Another quiet moment where we both looked at each other and silently thought, Let this be the last one. She’s a trooper, […]

There’s a story I often tell clients when we’re reviewing their portfolios. It’s not dramatic or groundbreaking but it lands. A few years back, a client let’s call him Jim told me he was losing sleep over the market. His portfolio was doing fine on paper. But every dip, every red arrow on CNBC, set […]

Most folks have filed their taxes by now. If you’re a business owner, though, you know the truth tax season doesn’t really end. It just changes shape. And if you filed an extension, October will be here before you know it. This time of year is perfect for taking a breath and circling back to […]

Market volatility is an inevitable part of investing, influenced by economic trends, global events, and shifting investor sentiment. While the ups and downs can feel unsettling, especially for retirees and those nearing retirement, a disciplined approach can help you stay on course. The key to navigating equity market volatility and long-term investing is to maintain […]

A Community in Transition I’m writing to you this month from sunny Florida, specifically the St. Petersburg/Madeira Beach area. The region is still recovering from the two recent storms, and the recovery efforts tell a fascinating story. Some homes remain untouched, with no remediation, mold removal, or rebuilding efforts underway. Others have been gutted, cleaned […]