I’m consternated. For anyone who reads my normal weekly content, this may or may not be for you. This is more of a complaint or concern than an educational piece, but it’s one I feel a need to voice. This year, “Prohibited Transaction Exemption” or “PTE 2020-02” was released, giving guidance to financial planners and advisors about how they needed …
First Impressions
I’m an extremely passionate advocate for the value of financial planning. I’ve written a book on starting a career in financial planning, am halfway through a doctorate in financial planning, and serve on regional boards and national committees for multiple financial planning organizations. It might surprise you then to know that I had a terrible first interaction with a financial …
Reducing the Cost of YOUR Healthcare
Here’s a simple experiment: The next time you buy any good or service that isn’t clearly labeled with its price, ask what it costs. For example, if you go to a high-end restaurant and they list cocktails without prices, ask the server what it costs. They will likely know immediately or be able to check out the price quickly on …
When Courage Fails
“A day may come when the courage of men fails, when we forsake our friends and break all bonds of fellowship, but it is not this day.” -Aragorn at the Battle of the Black Gate I have written a lot about volatile markets and market downturns, yet without fail, the lessons of dozens of market crashes before seem to fall …
Pension Maximization
If you have worked for the government in Colorado, or worked anywhere in the United States for more than ten years, then congratulations, you have a pension! Pensions have been a staple of retirement planning and income for centuries, with the first corporate pension being established in 1875 by the company we now know as American Express. Even before American …