So let’s get right to it: Why is it that we live in one of the richest countries in the world yet so many of us seem to have some level of fear around money? Most of us, including me, have experienced one or more of these thoughts in our lifetime, thoughts I refer to […]
Most people tend to spend what they earn. In 2016, GoBankingRates.com did a survey of a little over 7000 people which shows that 69% of respondents had less than $1,000 in savings. Let this sink in for a minute: almost 7 out of 10 people in the U.S. have less than $1,000 in savings. This […]
I’m in San Diego this week, attending two different financial conferences. I’ve just finished attending the first, the XY Planning Network Conference, which was attended by over 300 twenty and thirty somethings, all of whom are either building or soon-to-be building their own financial planning firms. As a veteran of the financial planning industry I […]
I work with a lot of people in transition. Most of them are either starting new businesses, changing careers or retiring. It’s the clients that are retiring that I worry about the most because some of them have had very fulfilling careers and really don’t know what they are going to do in the next […]
This one question has propelled many people into living the life of their dreams: If you found out today that you only had five years left to live, what would you do differently, change, become? OK — now do it! You never know when your last day will be. Enough said.
Many people today feel powerless yet we have far more power than we think we do. And by power, I do not mean power over others but rather that confident, joyful feeling of living an authentic life. We have the power to make decisions and decisions are very powerful things, setting in motion all kinds […]
You and I both know people who went to a certain college, or into a certain profession, because that’s what they did in their family. (“Grandpa was a doctor, I am a doctor, and you’ll be a doctor one day.”) And we know people who decided they had to get married in their 20’s because […]
You deserve the truth. I entered the financial services industry back in 1981 when I went to work for an independent insurance agency that was out to educate the public on the evils of whole life insurance. Our mission was to help our clients replace these expensive whole live policies with far less expensive and […]