Byron Moore

Black Swans: The Enemy of All Perfect Plans

“Didn’t see that coming!” A worldwide disease pandemic. An explosion of race related unrest across our nation. Oil prices going negative. A global financial crisis. A real estate bubble. The Dotcom bubble.  Pundits will blame someone for not seeing “it” coming. Consultants will charge a fee for helping you see it coming next time. And

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Workers Worry About Money Today, Not Retirement Tomorrow

What causes the average Joe stress at work? Work, right?  Or maybe something about work – a bad boss, poor working conditions, toxic co-workers or maybe just Facebook being blocked on their work computer (“dang IT guys!”). Each year international accounting firm PricewaterhouseCoopers (PwC) sponsors an Employee Financial Wellness Survey. Their 2020 survey asked employees,

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Coaches for the Win

“Moore, if your brains was dynamite, you couldn’t make a humming bird sneeze!” They don’t make ‘em like Coach Shaw anymore.  He “drafted” me for his high school basketball team off my ninth-grade playground. The only thing I had going for me was being over six feet tall and attending a small high school blessed

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I’ll Retire with a Little Help from My Friends

About 10,000 people retire each day in America.  That means you and I probably know someone who had planned to retire just as the Coronavirus-caused financial disaster struck.  Based on my experience, most of those 10,000 had already made peace with the fact they would have to do without a few things in order to

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Spring Cleaning … Where Do I Start?

How is it that when you have the most unstructured time on your hands, you get the least done? Now, if you’re a doctor or nurse tending to Coronavirus patients, a banker pushing out PPP loans or a grocer working overtime to restock the toilet paper shelves, this doesn’t apply to you. But waaaay more

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