Behavioral Finance: Are We Ruled by Emotion?

If asked, most people would probably say they are rational individuals who make wise decisions. Indeed, logical thinking and prudent behavior are the norm for the majority of people in most instances.  Unfortunately, when it comes to money management, people who are otherwise rational often tend to act irrationally, and this tendency is quite … [Read more...]

Procrastination and a Jelly Doughnut

You know you shouldn’t, but you do. You procrastinate. It might be a function of too much to do, a bad behavioral habit, or simply a lack of education on what procrastination really costs. Let’s say you pick up a bad dose of poison oak on Saturday and you are flying to the East Coast on Tuesday morning. Are you going to put off the doctor’s visit … [Read more...]

Cotton Candy and Chocolate Milk – Yum Yum

Spring time is amusement park time. As a kid, how fun was it to run into the park, grab some cotton candy and chocolate milk before your parents got your day organized? Then it was off to the rides. A drive around the Autopia, a ride through the Small World, and then to the Matterhorn! We all remember having a great time sprinting as fast as we … [Read more...]

Why I Love Permanent Life Insurance as Part of My Portfolio

In this month’s “Mark’s Corner”, I posted an article about the interaction of taxes and retirement savings. I pointed out the benefits of saving in either a tax deferred or tax free environment. I also pointed out that the government places all kinds of limits on the amount one can contribute. It seems like strange public policy to incent citizens … [Read more...]

How We Work

In our initial meeting, we will start by listening. You'll see this often in our approach - in order to help you, we need to understand your specific situation - there are no good cookie cutters when it comes to building an effective financial future. We need to know what you like and don't like about your current plan, what you think a good … [Read more...]