The Joy of the Splurge: Why a Little Luxury Makes More Sense at 62 Than at 22
I’ll admit this upfront: what I’m about to say might surprise you. It even surprises me sometimes. I’ve spent most of my career preaching prudence: save diligently, invest wisely, live below your means. And yet, as I’ve grown older and watched clients move from earning to enjoying, I’ve come to a surprising conclusion. Buying a few luxury items in your …
How Much Do You Trust the Market?
Every now and then, I get a call or an email that goes something like this: “Someone on the news says the market is going to crash in September or October. Should I be worried?” It’s a fair question, and I’m always glad when someone reaches out to ask. In fact, I get this one often enough that I figured it’s …
Choosing the Right Pension Option
Choosing the Right Pension Option: A Lifelong Decision in Disguise One of the most common and consequential decisions facing new retirees is choosing the right pension payout option. If you’re retiring from a company, school district, or municipality, chances are you’ve been handed a list of confusing choices with names like Single Life Annuity, 50% Joint & Survivor Annuity, or PLOP (Partial Lump Sum …
Are You the Family Bank?
Are You the Family Bank? Here’s How to Turn a Potential Burden into a Blessing Picture this: Your phone rings. It’s a family member – again. You instinctively brace yourself, because this isn’t just a “Hey, how are you?” call. Nope. This is a “Hey, I’m in a bit of a bind and could really use some help” call. And …
The Roar of the (Retirement) Crowd
If you’ve ever watched sports – whether you’re a die-hard fan or just along for the snacks – you’ve seen it: the buzzer-beater shot, the bottom-of-the-ninth game-winning hit, the nail-biting putt that seals the championship. These are the adrenaline-soaked, slow-motion-replay moments that fill arenas and inspire highlight reels. And if you’re anything like me, you’ve probably thought: “Where are those moments …
Client Corner: Kelly and Lisa
Since retiring, my wife and I have found that life hasn’t slowed down one bit – if anything, it’s become busier and more fulfilling than ever. We’ve been embracing new adventures and making the most of our time with family, filling our days with travel, projects, and plenty of grandkid activities. Last year, we embarked on our first guided “old …
2025 Fall Newsletter: Salt Lake City
How are we already in the last few months of 2025? Boy this year has flown by! Our family has been busy this Fall, mostly with sports (as usual). My son, Michael, is playing on a fall baseball team made up of kids who love the game and don’t play football. He practices a lot, but even the games are …
Are We Spending Too Much to Retire?
It’s one of the most important – and frustrating – questions to answer as you approach retirement: “How much will I actually spend?” It seems like something we should all know, but many people realize as they near the finish line that they’re just guessing. This question sits at the core of retirement planning. Your expenses, now and in retirement, determine how …
Can Financial Planning Improve Your Health and Vitality?
When most people think of financial planning, they imagine spreadsheets, retirement projections, or investment accounts. But a well-designed financial plan does more than grow your net worth; it can improve your health, reduce stress, and even add vitality to your life. Let’s explore how. 1. Financial Planning Reduces Stress and Anxiety One of the most immediate and noticeable health benefits …
The Widowhood Curve: Why Retirement Planning Must Include the ‘After’
We recently helped a widowed client navigate the heartbreaking process of getting her affairs in order after the untimely death of her husband. Naturally, these experiences leave us all a bit raw. So, when I saw these statistics, I was stopped in my tracks: 80% of men die married. 80% of women die single. And among those who live to …
