Understanding Your Financial Anatomy

Another year has come and gone, and with 2024 just getting underway, it is time to not just talk about getting into financial shape, it is time to do it!  Physical health requires a combination of “checkups” with a general practitioner and sometimes visits to...

Investing in the Age of Echo Chambers

Introduction Trends come and go – and sometimes they come back – I have on good authority (my 15-year-old daughter) that Lululemon fanny packs are making a big comeback and are all the rage these days.  Social Identification Theory is a psychological...

Simple Sam vs Compounding Charlie: Invest Smarter!

Albert Einstein is credited with saying, “Compound interest is the eighth wonder of the world. He who understands it earns it; he who doesn’t pays it.”  In successful investing, compounding growth plays an outsized role in the outcome. Compounding in the investing...

QCDs: A Retiree’s Golden Ticket to Smart Charity

One of my favorite songs, California Dreamin by The Mamas and the Papas, starts off describing a typical autumn day and while I love that song, Mama Cass (born in Baltimore, MD!) failed to add the dizzying tax planning that accompanies those brown leaves and grey...