​One of the biggest milestones in a person’s life is the decision to start a family (or not).  With the arrival of that cute bundle of joy comes a whole host of other experiences and adventures.  But in the back of almost every parent’s mind is ‘how am I going to save for college’?  And while it usually feels like it is an eternity away - we all know the saying ‘the days drag and the years fly’.  Before you know it they are taking SATs and doing college tours.  There is good reason that this concern is one of the many, many issues we worry about as parents; college can be extremely expensive, and the costs continue to increase dramatically over time.

​This seems like a good time to talk about risk.  Today risk is present in everything we do - from deciding to wear a mask, to going to the grocery store, to visiting with friends, to flying on a plane.  Doing ordinary activities that we barely gave a second thought to six months ago are now important decisions to be made.  Is the risk worth it?

​In the investment world we talk about risk...a lot.  It is a key investment concept.