The big question on everyone’s mind seems to be, “Where is this economy going?”  All this talk of tariffs, inflation, and the R word (i.e., “recession”) has folks in their 50s and 60s wondering, “What does all this mean to those of us who are waiting to retire?” I don’t have a crystal ball. But […]

When people discover I’m a financial planner, they say things like… “We’re thinking about a bigger home for our growing family. Do you agree with that old adage that your mortgage shouldn’t exceed 28% of your income? Also, should we wait to buy until interest rates drop? And then, should we pay off our mortgage […]

This column is for you if you’re: After almost four decades in the financial services industry, I’ve observed some fascinating facts about human nature. One is this: the further away an event is, the more willing people are to ignore risk now by saying, “I’ll deal with that later.” The problem? Later comes sooner than […]

A lot of people today are feeling nervous. They’re anxious about their financial futures. You can tell from the questions they ask: Questions like these are understandable. There IS major upheaval in our economy. But this doesn’t mean we have to roll over and act like victims. And it surely doesn’t mean we can’t plan. […]

If you’re in your forties, my guess is you’re thinking hard about the economy lately—and specifically, your own financial future.  You see the volatility in the markets. You read the reports about trade wars, inflation, and signs of a possible recession. You hear the “experts” questioning the viability of Social Security. All this has you […]

Someone told me, “I wish your emails and columns would sometimes relate to people with average income or meager means. Everybody’s not rich, you know! What about us? What can WE do to live better?” Here’s how I responded… I have met multi-millionaires with no time, love, or peace in their lives.  I have met […]