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The Impact Of An Extra One Percent
There is an interesting NY Times article that we found last summer entitled 5 Money Mistakes That Can Make the Road to Retirement Even Longer. It has several interesting points to consider, but you don’t need to look past the first...
Read MoreTake Inventory of Your Business Value
Tax season is always a time to pause and think about what happened in our business, and what we expect for the next year or two. With its end, we thought it would be timely to share some thoughts about gauging not just where you're...
Read MoreHow to Survive a Bear (Market) Attack
To be very clear, we are not in a bear market (at least, not as of our writing this on March 22, 2026).By historical standards, a bear market occurs when stock market indices fall at least 20% from their highs. With the S&P 500 down...
Read MoreAn Overview on Protecting Your Business
You’re a successful entrepreneur. You run your business well, and it has been growing consistently for the past few years. You’ve hired people to help you grow, and you’ve rewarded their strong performance.Life is good, and the value...
Read MoreWhat Will 2026 Bring? One Thing We Know for Sure
2025 was a year full of surprises; some good and some bad. It seemed like each week a dramatic new story would dominate the headlines, causing us to forget the big story everybody was talking about just a few weeks before. From natural...
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What a difference a day (an hour?) makes...
This article was written on Friday 11/14/25. As we left our office this morning for an 11am meeting, the US financial markets were struggling to say the least; in fact, every category in the chart below was RED (negative). This being...
Read MorePlanning for Career Uncertainty
One cold autumn day, the Scottish poet Robert Burns was ploughing a field when he churned up the burrow of a field mouse. Burns was sorry to have destroyed its cozy home and reflecting on the event composed "To a Mouse on Turning Up in...
Read MoreThoughts on Buy-Sell Agreements
Deciding when to leave your business can be a daunting task. For many entrepreneurs (and many of you reading this), that day is expected to be many years into the future. After all, deciding when to walk away from something that you’ve...
Read MoreRetirement – The 1 Most Important Thing
We’ve mentioned previously that, of the 5 big financial risks you’ll face in retirement, longevity is the most important one to acknowledge; it exacerbates the risk presented by all of the others (taxes, market volatility, inflation,...
Read MoreRetirement – 2 Things You Can Control
Financial Planning involves many variables that keep people up at night; things like: · Rates of return · The economy · Interest rates · Tax laws · Inflation · Unexpected life events Almost all of these financial variables are outside...
Read MoreRetirement – 3 Sources of Cash Flow
About that 3rd rule – Cash Flow Allocation… Most people, indeed most financial advisors, put a lot of emphasis on “Asset Allocation”; that is, where do your assets sit on your Balance Sheet? Are they invested in stocks or bonds? Are...
Read MoreSmall Businesses For Sale
We came across an interesting article in Entrepreneur magazine entitled: “Millions of Small Businesses Will Soon Be for Sale. Here's How Smart Entrepreneurs Are Cashing In”. If you missed it, you can check it out HERE. Among the many...
Read MoreWhy Is Exit Planning So Hard?
In prior posts, you’ve read us describing the steps to successful Exit Planning: Protect your business and its cash flow Grow its revenue and profits Prepare for exit by addressing the three legs of an entrepreneur’s stool: Business...
Read MoreRetirement – 4 Domain Rules
What does financial balance in retirement look like? First, it's important to recognize that most balance sheets aren't depleted in retirement because of underperformance – it typically happens because of unnecessary exposure to risk....
Read MoreRetirement – 5 Risks
In mountain climbing, going up and down the mountain presents distinct and different challenges, even though the conditions are largely the same. Gravity is gravity, but we deal with and react to it differently while going up vs. going...
Read MoreRetirement: 5-4-3-2-1
Over the coming several weeks, we’re going to be focusing on retirement in a conversation that we’re calling Retirement: 5-4-3-2-1: 5. Of the many risks that we all will face in retirement, there are 5 financial risks that can be (and...
Read MoreFinancial Fraud…It Seems To Be Everywhere
A recent article1 on Marketplace.org spoke about both the seriousness and the frequency of financial fraud. If you’re one of the few who has not been a victim yourself, chances are good that you know someone who has been. You should...
Read MoreA Tax Gem…Hidden in Plain Sight!
Happy Tax Day! Just about every year, April 15th serves as the deadline for filing one’s personal income taxes. Whether or not you feel you pay too much in taxes, we’d always advise anyone to be thoughtful about their tax planning,...
Read MoreOn tariffs, the markets, and more…
As I write this (on Friday 3/7 at around 1:15pm), the headline on the CNBC website says “S&P 500 is flat, but heads for worst week since September.” Stock market volatility…we all hate it, unless of course the volatility is moving the...
Read MoreThoughts on Scaling Your Business
Recently, we came across an interesting article in Entrepreneur Magazine entitled “5 Ways Solopreneurs Can Scale Their Business Through Collaboration” (https://www.entrepreneur...
Read MoreSaving for college and retirement at the same time?
We know that you likely did not see the College Planning[i] article in Financial Advisor Magazine earlier this year. After all, reading through journals like that is our job. 😊 That said, it’s important to note that it shared 3...
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