When Should You Think about a Financial Advisor?

When we all started our careers, our choices were fairly simple:       Don’t spend more than you make.       Use the company 401(k).       Start saving a little on the side for purchases. As…

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Financial Planning Lessons We Learned from Classic Lit

Books have been known to help develop greater capacities for empathy, strengthen the brain and prevent cognitive decline, and even reduce stress and help us enjoy longer lives. But we also found a few unexpected financial lessons in some of…

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Cowboys and Market Crashes

Post by Paul McClatchy It’s a rule in nature that systems strive for balance. When exogenous shocks occur, the system may alter but an equilibrium eventually is reached. Human systems, like the market, usually operate the same way. During the late 90s,…

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The Fiduciary Standard: What it Is and Why it Matters

Post by Paul McClatchy There is an old axiom from the early days of the financial industry that “investment products are sold, never bought”. The gist of this was that most people were pressured into investments they didn’t need, want,…

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Bull Markets Don’t Die of Old Age

But this one died from a virus. Well, here we are; officially in the throes of the 2020 bear market. In our October 2019 quarterly letter, we pointed out some recession indicators (notably the inverted yield curve) but remained optimistic…

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