We’ve all heard the phrase “hindsight is 2020.” There are tons of memes floating around alluding to getting the year 2020 in our rearview mirror, and I have to agree. One thing you may be feeling lately is fragile. Your finances, sense of self, confidence in our social systems, routines, hobbies, and plans have…
So, how’s your 2020 been? As I write this blog, I’m getting used to yet another blow to personal freedom, the 9pm curfew. Even my parents didn’t have me home that early in my not-so-rebellious teenage years. It is easy to feel sorry for ourselves, and we should take some time to grieve. Things…
If you ever thought your friendly neighborhood financial advisor knows it all, think again! I learn new things from clients all the time. This little nugget came to my attention a few weeks ago. It will apply to very few people, but you might check it out if your 401(k) has an after-tax contribution provision.…
Nope, I have not become a gourmet cook while under stay-at-home orders. In fact, somehow, I’m finding even harder to find the time to cook these days. Blame Tiger King. However, I did go out and do the requisite buying of groceries I never would have thought to buy before. Since I don’t have…
Nope, I have not become a gourmet cook while under stay-at-home orders. In fact, somehow, I’m finding it even harder to find the time to cook these days. Blame Tiger King. However, I did go out and do the requisite buying of groceries I never would have thought to buy before. Since I don’t…
Clients sometimes ask me what they are not thinking about when it comes to retirement planning. Mostly, they’ve thought about a lot, but there are a few things that can surprise you. Unreimbursed medical expenses. Yes, retirees dread health care costs, but it seems like kind of an amorphous worry, not one that gets…
Yes, we are all sick of coronavirus news! Except when it’s just funny. So, to honor all the mothers out there, especially in time when we are forced into 24-hour a day contact with our little darlings, enjoy some mom-wit thanks to Twitter. Quarantine day 6: Went to this restaurant called The Kitchen. You…
Fourth quarter online-school is upon us and I am yet again getting reports of my 8th-grade son’s deficiency in math. Counting two rounds of kindergarten, this is the 10th year of hearing this refrain. Here’s the thing – I don’t even care. Is it laziness? Being worn down as a parent? Sympathy because middle-school…
Recently a prospective client sent an e-mail with some questions he wanted answered before engaging a financial adviser. I thought others might share these same questions, maybe about me or even other advisers they have. Here, with permission and a few edits, is a copy of our correspondence. Q: I wanted to learn more…
Eating my third breakfast of the day at I-don’t-know-what-o’clock, I had a frightening realization: Is this pandemic quarantine what my retirement will be like? Clearly, I’m not the only one thinking about it. From memes all over Facebook to this article by Alessandra Malito in MarketWatch (Is quarantine like early retirement? These people think…
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