We tend to model our lives, and our financial plans, as a straight, uninterrupted line moving upward and to the right. We assume that our income, our capacity, and our circumstances will remain relatively constant, simply growing steadily over time. But life is rarely linear. It is cyclical. It operates in seasons. An accurate graph...
When we sit down to project a client’s retirement, one of the biggest variables we have to account for is longevity. Thanks to modern medicine, we are living longer than any generation in human history. From a financial planning perspective, a longer life means your capital has to stretch further. But there is a glaring...
There is a very specific kind of quiet that descends on a house when the children finally leave. It affects our hearts, but it also affects our financial planning. If you’re in this situation, or know someone who is, here’s a little of the new reality… For a couple of decades, the home has been...
When we sit down to build a financial plan, our eyes are naturally drawn to the summit, not the basecamp. We focus our energy on the big, inspiring goals: retiring with dignity, leaving a meaningful legacy, aiming for financial independence or funding our children’s education. We engineer our long-term investments to weather global economic storms...