An acute observation in psychology is the effect of stress on human beings. Studies on soldiers during war show that they can handle the stress of combat for only up to about 60 days straight before they reach total psychological catatonia. Even those not in that pinnacle stressful environment can experience anxiety, depression, digestive problems, headaches, muscle tension, heart disease, …

There’s an old expression amongst professionals: “If you think paying for service is expensive, just wait until you see how expensive doing it yourself is.” The premise of the point is simple: Many people do not respect the time, energy, and effort that go into a professional’s services. Not only the service as someone receives it but also the education …

Recently a client raised a question about the assumptions of their financial plan. “It has my income increasing by inflation every year, but in another year I’ll hit the top of my pay band, and raises will stop unless I go into management when I’m not planning on doing.” This was a major red flag for me for a number …

Colorado is a great state. We all know that at a fundamental level, with a high quality of life, high incomes, a beautiful natural landscape, and a vast number of activities and hobbies available for everyone to enjoy. While the lifestyle and recreation are beneficial, there are a couple of other perks to living in Colorado that we probably don’t …