In 2020 stock buybacks came under attack, and it was no surprise. The public was outraged to learn that airlines had collectively engaged in over $25 billion dollars in stock buybacks over the past decade. “How can companies making that much money suddenly not have the cash to operate?!” Was the question of the day, and a fair one at …

Greetings! Today we’re going on a safari of the assorted beasts and brokers that often can be confused by a layperson for financial planning. Financial planning is a rare and special beast that is still offered by the minority of those calling themselves financial advisors, planners, counselors, coaches, and so on. Within this particular landscape, there are many things that …

In the United States we have several measures of financial literacy, and to be frank, none of the numbers look good. Less than one in four Americans is literate in risk management (insurance) terms and only three in five can accurately describe how a loan works. Over half the population would struggle to pay for a five hundred dollar emergency …

With a new year comes many new things: resolutions, car models, and of course, tax rules. In late December, Congress passed a stimulus package that also included a number of tax provisions that apply to many people in 2021. As financial planners, “Tax Alpha” is one of the most powerful tools at our disposal, and when providing financial planning, it …