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My brother and one of our closest lifelong friends have been my office partners for many years; we’ve been working together since the mid-1980s. Boy, could I write a book about our time together … and I have! We’ve seen some changes through the decades. We refined and refocused our strategies for clients all with...

Behind most of the questions that people ask me is the desire to become confident in their financial situation. I’ve found most people are driven by six basic needs, and the strongest is for “certainty” in some areas of their life. Many, if not most, people desire some degree of certainty—or what I call Financial...

Having been a financial professional for nearly 40 years, new acquaintances often casually ask me, “What are you recommending these days?” This is an innocent question in conversation, and I usually offer some polite reply. But the truth is that any professional recommendation should be based on what that person needs and wants, not what...

In February 2020, the stock market began a shocking slide that caused many investors to sell out and move cash to the sidelines. Now, six months later, the major indexes have rebounded and, in some cases, even exceeded their prepanic levels. For those still waiting to reinvest, the question is: “What do I do with...

In the last 10 years, the US stock market has increased, somewhere around tripling in value. Except for a speed bump here or there, we have had few reminders of what can happen in extremely difficult years. Someday, perhaps in the coming months or years, we will get the opportunity to relearn what happens in...