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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How I’m Personally Invested
Paid to Quit Social Media
“A study of happiness found that social media use ranked dead last, out of twenty-seven different tracked leisure activities, in making people happy.” – Scott Galloway, author of The Algebra of Wealth The French philosopher and mathematician Blaise Pascal said, “"all of...
read moreFool 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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Take the Low-Hanging Fruit
The market carnage to close out 2018 carries an important reminder. Investing is hard. Performance comes and goes. The last nine years of easy money…
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