Most clients I meet assume the same thing when they sit down with a financial advisor: this person works for me. It’s a reasonable assumption. You’re the one paying. You’re the one with something at stake. But after more than 40 years in this industry, I can tell you that assumption has a gap in…
Every month, I talk to retirees who’ve spent decades at a major bank or wirehouse. They’re not broke. They’re not unsophisticated. In many cases, they have significant assets and long relationships with someone who carries a nice title. But something is off, and they can’t quite name it. After 40 years in this industry, I…
When the promise of safety doesn’t match the reality of results. Today, many investors find themselves disappointed and in some cases betrayed, by what they once believed was the perfect solution: an annuity. This is far more common than most people realize. Years ago, guarantees, income riders, and downside protection sounded incredibly appealing, especially during…
We’ve all been there: spending hours researching the best dog food, setting calendar reminders for vet appointments, and even opening savings accounts for unexpected expenses like emergency surgeries. Yet, when it comes to our own financial futures, many of us treat planning like a game of chance. It’s a paradox, one that highlights how effortlessly…
As markets continue to grind higher, one thing most investors can agree on is that inflation remains out of balance and uncertainty is still abounds. Everyone seems to expect the Federal Reserve to begin cutting rates again soon, and fear of missing out (FOMO) appears to be driving much of today’s market action. Valuation Concerns…
In nearly four decades as a financial advisor, I’ve seen my fair share of investment trends come and go. One product that’s often pitched with glowing promises but frequently leaves clients disappointed is annuities. The concept is undeniably appealing with it’s guaranteed income, protection from market downturns, and peace of mind. But as the old…
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