Last Tuesday, we pretended like a tornado hit the office. All day we worked from home, testing our communications and computer systems to make sure we would be able to…
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Without a plan it’s easy for things to get out of hand. Here are some steps you can take to make sure all of your gifts get handled reasonably and…
Like all Registered Investment Adviser Firms, we maintain cyber security policies and procedures to protect sensitive client data from theft and fraud. Many of the measures we take can be…
As you invest and save more, the movement of money between accounts becomes a larger part of your financial life. Here is some good information on the process, safety protocols,…
With four kids to raise, I have always maintained a good amount of life insurance coverage. Over the years, I have made changes from time to time to take advantage…
We have all formulated strong ideas of what success looks like since childhood. In many ways, personal financial success gets defined FOR us by the outward appearances of those we…
The hot August sun was starting to make itself known as morning advanced. There were just a few plays to go until the first Freshman inter-squad scrimmage of the season…
“Buy when there’s blood in the streets” – Baron Rothschild During the Panic of 1871 in Paris, when everyone was selling, Baron Rothschild (according to the story) was buying….
On the Fo’c’sle of the USS John Rodgers in the warm sun of Valparaiso, Chile we watched as command passed from one captain to another. We knew little and had…
This is a two part series about two Captains I served under consecutively aboard the USS John Rodgers, a Spruance Class destroyer, shortly after the Persian Gulf War. The first…
It’s hard to believe the year is halfway over. Now is a good time to review and determine what steps need to be taken to finish out the second half….
World markets shuddered today as the Prime Minister of Greece acted in a very unpredictable manner. Prime Minister Tsipras called for a vote by the Greek people on whether or…
Back in the 90’s I sold a lot of variable annuities. I worked for a large financial services company that strongly encouraged the use of variable annuities and there were…
The last several weeks we have been busy meeting with our client’s children. We recommend what we call “kid meetings” at a few critical stages: Just prior to getting their…
More than half of retiring Americans today opt to take Social Security before their Normal Retirement Age, and less than three percent of filers wait until age 70. Many…
Real personal financial success cannot be accomplished until we have achieved a certain level of financial maturity. I believe proper spending, saving, investing, and planning are all learned traits. Accomplishing…
The Schulz family will be proudly in attendance at College Park Center in Arlington today for our oldest daughter’s graduation from college. One down…….three to go. Our daughter has grown…
Many years ago I was with my good friend and longtime business partner Larry McNeil when someone asked him “What’s it like being your own boss?” to which Larry replied…
As a parent, I watch a LOT of volleyball. I sometimes think I know the game and start making suggestions to my oldest daughter who plays competitively in college. She…
In most of my recent client meetings I am being reminded that retirement is an outdated term. We try to use the term “transition” but that does not fit as…
“If you had actually read it, you would have noticed the second signature line”, declared the man across the counter. My immediate response was “it’s not intended to be read,…
Nobody has ever accused me of being a great fisherman, but when I was seven or eight I knew how to catch perch by the bucket load. I would lie…
Buying and maintaining life insurance policies is a pain. On the surface, it seems like a pretty simple transaction but it is actually one of the most complex pieces to…
My how things have changed. Inflation is at an all time low but our household budgets are swollen with monthly obligations that did not exist twenty years ago. It is…
We spend a lot of time and effort in my practice helping our clients build a solid Estate Plan. After all of the legal documents are complete, beneficiary designations changed,…
