Looking Back… I wish I had… I could have been… I should have done… These are often the phrases we finish when we reflect back on the year. None of those phrases help propel us towards a better future. These phrases are filled with fears and regrets. Rather than looking back with a negative lens,…

This Week and Always… Ahead of the Thanksgiving holiday this week I was reflecting back… Just like we did last year, we’ll probably head back out for a three-generation round of golf. The fun and memories are so special because you aren’t assured of tomorrow. So this season is a tremendous opportunity to be mindfully…

Changes Are Coming The change that’s coming is certain. When and how much is uncertain. It looks like changes for the 2022 tax year are happening. Congress passed the $1.2 trillion infrastructure bill. Next up is the Build Back Better $1.75 trillion spending and tax increase plan. Top capital gain taxes look to be going…

Opportunities Housing prices are at all-time highs. Investment accounts have big gains (or should). 401k balances have grown substantially. So what are you doing with all this? Most are gaining a false sense of security. The house value is only as good as the sale price you get. The portfolio gains are only as strong…

Are You Ready? The media can really feed notions of fear. The media can really feed notions of euphoria. Friends can stir emotions with their “big” wins. (Notice how most friends don’t talk about their “big” losses!) The “smart” people like to lead people to believe they can predict the future. Yet, the market will…

Potential Surprise The dotcom bubble had burst.Then 9/11 happened.It was a series of events that causes the markets to come crashing down.Within a few years, economic optimism picked up.So much so, that by 2007 asset prices in equities and real estate had soared.Seasoned real estate investors and amateurs were taking on risk to own more…

The top tax rate has been as high as 94%. The bottom tax rate has been as high as 22%. FDR proposed a 100% top tax rate. During these previous top tax rates, the U.S. was spending far less (and was in much less debt) than today. Sure, we are now off the gold standard,…

Taxes. Taxes. Taxes. This is the narrative and the threat out of Washington. For good reason, too. The proposals by the Biden administration are to raise the tax rates. With the current proposals, single payers earning $400,000 or more, and joint filers earning $450,000 or more would be impacted the most. The top tax rate…

Few things in life are no-brainer investments. One absolute no-brainer investment for me is my kids. And not just in their schooling and activities. Investing in the relationship is by far the most valuable investment! This past weekend marked the sixth consecutive father/son weekend at Camp Highland. There has been no better place I’ve found to…

Investment accounts. Portfolio balances. Financial products. Returns up. Returns down. But are you ready? Are you ready to endure the real-world ups and downs of financial retirement? There is no time to waste. You either are ready, or retirement will show you how un-ready you are… but by then it’s too late. Click Here to…