How to Choose Financial Goals
What is your most important breath of air? Answer: the next one. The future doesn’t really matter if you cannot survive long enough to see it. But once you learn how to breathe, the sky is the limit. I like to keep this in mind whenever I get overwhelmed in my day-to-day; it helps me […]
How to Find the Best Fiduciary Financial Advisor for You
Managing personal finance is a journey, and just like any journey, it can be beneficial to have a trusted guide. A fiduciary financial advisor facilitates this role by providing expertise and dedication aligned with your needs and objectives. Today, we’re covering what distinguishes a fiduciary financial advisor from non-fiduciaries and how to find the right […]
Three Reasons Why You Need to Participate in Your Company’s 401k Plan
In 1970 more than 45% of all private sector employees in the United States were covered by some kind of pension plan. As of 2022, that number is around 4%. What does this dramatic difference mean for the present-day worker? Well, the truth is, the next generation of retirees will rely on their own savings […]
What is a Fiduciary?
Understanding the role and responsibilities of a fiduciary and their importance. A fiduciary is someone who manages assets on behalf of an individual, family, or company and is required to act in their best interest. Examples of fiduciary professions include financial advisors, board members, attorneys, and trust officers. When named a fiduciary, by law you […]
A Penny Saved is a Degree Earned: Education Savings Options in Washington State
I consider education to be one of the most important investments that a person can make. Unfortunately, education costs have grown exponentially, with tuition prices jumping 178% since 2000. With this pace of education inflation, it is not surprising that many families view student loans as the only way to get their child across the […]
Everything Millennials Should Know About Starting a 401(k)
Saving for retirement is one of the most important things that a millennial can do for their future. Even though retirement is years away, saving should start as early as possible. Early retirement without the worry of money may be ideal, but the truth is it takes hard work and a lot of time. Having […]
Keys to Financial Planning for Single Adults
Over 25% of my clients are single adults or couples who are preparing for one spouse to live much longer than the other. I spend a significant amount of time assisting them with the unique issues they face. Like all of us, they want to wisely invest their money, mitigate taxes, take care of their […]
Things to Consider Before Moving Out of State
The ability to work remote is an amazing thing. As I write this, my team leader is working temporarily in Arizona, my teammate is working from Washington, and I am currently residing in California. Even hundreds of miles apart, we can work seamlessly without a hiccup. This newly found freedom is becoming common and has […]
Quarterly Market Review – Q4 2021
2021 ended with COVID continuing to occupy the headlines with a seemingly endless type of variant. However, similar to 2020, if you just observed news headlines, the prospect of a strong return for the market would seem to be very slim.
Why We Stay Globally Diversified in Shifting Markets
Markets do ebb and flow over time – but there are periods in time when prices can get excessively high, particularly in the growth corner of the market, like we see today. We have made a conscious effort to tilt portfolios to value companies, the type of companies that have outperformed growth companies by roughly 20-30% over the past century.
