Much goes into crafting a detailed retirement plan. We account for income, expenses, unexpected healthcare events, annual home maintenance, travel, etc. A good plan gets…
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What is the Impact of Retiring in a High-Income Tax State?
How Advisors Saddle Clients with Massive Tax Bills
My favorite quote on taxes comes from Morgan Stanley… “You must pay taxes, but there’s no law that says you have to leave a tip.” Recently, we met a prospective client that was baffled how her advisor generated a large...
read moreHow I’m Personally Invested
I give people advice about what to do with their money. Therefore, you have a right to know how I personally invest, and my attitude…
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Fool Me Once, Fool Me A Billion Times
“You don’t have to be the biggest to beat the biggest.” – Ross Perot Raymond owns a small independent advisory firm (RIA) in the Portland…
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Fee Schedule Trickery
“Everything should be made as simple as possible, but no simpler.” Albert Einstein The further removed we get from the traditional wealth management machine, the…
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Better Decisions with Sound Financial Planning
I used to have a healthy disdain for financial planning. I viewed it as data entry; type numbers into a software program and generate a…
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Millennial Advice from a Millennial
The millennial generation is defined to those born between 1981-1996. In other words, if you’re between 22-37, you’re a millennial (I’m 37). Like every preceding…
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Do You Need a Trust?
People set up Trusts to minimize estate taxes, avoid probate, and seamlessly transfer assets to their heirs. Simply put, a Trust is a legal arrangement…
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The One-Page Challenge
According to a 2018 Cerulli study, 42% of investors either believe their financial advice is free or they have no clue how much they pay….
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Ultimate Transparency
Free from pretense or deceit Easily detected or seen through Readily understood Characterized by visibility or accessibility of information especially concerning business practices Source: Merriam-Webster…
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