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Investment Advice Is Not Financial Planning

Investment advice is not financial planning. This is an important distinction to understand when you go shopping for financial advice. Do you only need help with investment decisions, or do you need guidance on all aspects of your financial life? Investment advisors...

Money And What Makes Life Worth Living

What makes life worth living? This question is at the heart of financial life planning and financial therapy. I remember my late mentor Dick Wagner, CFP, talking about reviewing a person’s financial statement during a visit to Japan. Along with the normal...

Financial Transformation of Ebenezer Scrooge: Visiting The Past

If you were given a magic wand to change anything about yourself that would improve your financial and emotional wellbeing, what would it be? This is a hard question. It is not about changing your financial circumstances through winning the lottery or inheriting a...

Cryptocurrency In Your Portfolio, or Not?

Cryptocurrency has been getting a lot of headlines in the financial press the last few years, and I am often asked about investing in it. Many investment advisors expected the glory days of digital currency to be long over by now, yet it continues to get stronger,...

When Couples Keep Financial Secrets

How willing are you to talk about money? Many of us are perfectly willing to talk a lot about others’ money: the cost of government programs, the cost of living, our personal taxes, and public policy on taxing business profits. What we don’t talk about is our...