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 […]

Despite her widow status, advancing age, and increasing forgetfulness, Elaine insists on “staying in my home!”  She manages pretty well, but lately her adult sons have become concerned. Evidence suggests that mom’s new maid has been “borrowing” money from the petty cash envelope.  And the latest problem? Yesterday, a “nice young man” sold mom life […]

Are you one of those people who says, “I make a new financial plan every few years. But the wheels fall off every single time. Honestly…what’s the point. Why bother?” I suspect you know why a financial plan matters, but let me offer this… Twenty years ago, a man named Bob Castiglione told me, “Money […]