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Wealth Eroding Factors in Retirement 

You think once you get to retirement its easy living, smooth sailing, you’ve made it, right? Don’t think so fast. There are a whole set of new factors trying to eat at your wealth. Here are a few you may have to deal with: Eroding Factors in Retirement There are six eroding factors that will […]

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Rules for Financial Success

For most of us, some phase of growth is the stage we’re in. Growth is the phase of accumulation, positioning, cash flow, savings, making short & long-term decisions. This is where your financial model is used the most. Each decision you make has a ripple effect in this phase, so it helps to have some rules to use as guidelines. Ideally, […]

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What is Evidence Based Investing?

Evidence based investing is a recent movement in the financial industry focused on what we see as real market behavior. By discerning what is real and narrowing down the evidence surrounding modern investing, we can then determine the best strategies to deploy to reduce volatility and maximize returns. While no one strategy is the best all […]

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Two Major Risk Factors to Retirement Success

For most people its not until they hit 50 do they have the O.S. moment – do I have enough money for retirement? Am I on track to continue my lifestyle when I stop working? There are many principles we focus on early and often in financial life management, but a couple very few address […]

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Investor Behavior: Are You Your Own Worst Enemy?

Your poor investment returns may be entirely your fault! I say that tongue in cheek but Dalbar’s Quantitaive Analysis of Investor Behavior study shows how poorly investors perform relative to benchmarks and the reasons for that underperformance. DALBAR publishes a study every year. Here are some key takeaways from the 2017 study: In 2016, the […]

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An Investment Strategy with Downside Risk Protection 

If the market returns around 9% on average why would I need downside risk protection? And, what is that exactly? While the market may average 9% annual return you aren’t getting that. First, no one can achieve the average, only the returns that make up the average. Those returns fluctuate from up 54% to down […]

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How a Healthy Lifestyle Affects Your Financial Future

As financial consultants, we spend a lot of time focused on the health of your financial accounts. We take deep looks at your rates of return, cash flow, investment mix, and more to determine the ideal financial model for building your life. But we don’t often talk about your physical health, something that can have […]

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Uncertain Futures and the Importance of an Abundance Mindset

Turbulent times in the world can magnify troubles and make them seem even larger than they are. Whether investment woes, unexpected bills, or uncertainty in a career, these problems can dominate your mindspace and keep you trapped in a vicious cycle of pain and fear. These problems can seem even bigger in times of rapid […]

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Unique Challenges in Wealth-Building for Physicians

Doctors are frequent subjects for television, books, and other forms of cultural reflection. They’ve been glamorized and satirized and held in great esteem. They’re trusted advisors and spokespeople for improving health. Along with all of this acclaim comes one of the highest salaries in America- averaging just under $300,000 in 2017. There’s more to a […]

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How Do the Wealthiest Invest?

In our series on growing your wealth we’ve discussed healthy behaviors for priming your finances for growth, how to write a personal investing statements, and how to avoid unhealthy ways of thinking about investments. These are all essential for growing your finances in a way that serves your life. It is equally important that we […]

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