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Over time, as I’ve worked with and advised thousands of clients, I’ve realized that there are essentially just three levels or categories when it comes to wealth transfer. Each of these involves taking a different approach to transferring wealth to heirs and to charity. Many people have just enough money saved to live the rest...

My life has been centered on my work as a financial adviser. And I live in a modest-sized Midwestern town, Lincoln, Nebraska, so it’s not uncommon that I meet people socially who know of me and the work I’ve been doing. It’s all part of living in a community. After a handshake and small talk,...

Many investors (and even many investment professionals) think it’s possible to reliably beat the market by timing the movements of stock prices. And they are always on the lookout for that “smartest guy in the room” who will consistently outperform the market indices. To be clear, academic research reveals how very unlikely it is for...

Everyone has risks, some that cannot be avoided and some that can be offset. Sometimes financial risk is expensive to minimize, but sometimes it’s a bargain. A financial professional for over 35 years, I continue to accept new clients when I know I can make a difference for that person or family. I use my...

Setting a serious, valuable, and achievable goal or future result is not always easy. It takes some thinking and contemplation. That is not at all easy in today’s noisy, information-filled digital world. (Note: See my previous post, "Permanently Partially Distracted.") Once identified, the thing doesn’t just happen on its own. It takes continued effort and...