​​It seems there are multiple news stories about cryptocurrencies every day.   It is a favorite topic of conversations with Millennials and Gen Zs as the investment opportunity of a lifetime.  Understandably, we frequently get questions from clients about the topic.  Here are some current facts and our thoughts about crypto and whether it has a place in a long-term investment portfolio.  In addition, we are including an article and video from Dimensional Fund Advisors with more detailed information.

​2021 is finally here!  We all tend to feel like we are starting with a clean slate as we kick off the new year.   It feels like a new beginning...

From a financial perspective, it is a great time to take stock of your family’s current savings plan and ask yourself if there is room to save more or if you are missing opportunities to save in a  more tax-efficient way.  Here are a few of our favorite tips that are often overlooked.

​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.  

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​During stressful situations, our brain alerts us to "proceed with caution".  That makes sense...if we were cave men or women, it might have saved our lives.  Now we are living in a stressful world with the Coronavirus and it is here to stay for the foreseeable future.  Having a financial plan in this new reality is more important than ever.  

To most investors the differences between an ETF and mutual fund aren’t readily apparent.  They both hold selections of individual investment securities; however, there are important distinctions in how they are constructed and how they trade.  Selecting one over the other depends on several factors including time horizon, tax considerations and investment strategy.

There is a well-documented language barrier in the investment world that intentionally or unintentionally keeps people out.  We believe that great client experiences include user friendly language for better understanding and more satisfying conversations.  Asset allocation is one of the "basics" and is the recipe for your investing strategy.

​Would you build a house without architectural plans?  Would you take an extended road trip without GPS?  Yet we often invest our money without a strategy (roadmap) in mind. When we generalize goals over longer time horizons, we have no idea if they are realistic or if we are on track to accomplish them in a time frame that we have in mind.  Instead we live in fear that things won’t work out the way we hope they will.  What’s wrong with that?