Primum Non Nocere

Primum Non Nocere

I do not know Latin, however, I know this phrase – First, do no harm.  As the husband of a nursing professor and someone who has quite a few physician clients and friends I know it is a guiding principal ...

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I’m a Personal CFO? I Guess.

I’m a Personal CFO?  I Guess.

As part of my training as a Merrill Lynch salesperson, I mean financial advisor, I had to come up with a snappy elevator speech.  In case you are not familiar with an elevator speech, it is a short response when ...

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My Three Step Investment Formula

My Three Step Investment Formula

I like to cook.  Cooking takes a feel.  Intuition, if you will.  I can lightly press on a steak on the grill and know if it is medium rare (if it hits well done I say the kids cooked it).  ...

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Finding Water in the Bush

Finding Water in the Bush

Years ago I was walking through the bush and I realized I needed some water.  Unfortunately, I could not see water anywhere.  Fortunately, I found a group of baboons and remembered an old trick to have them help me find ...

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March Market Thoughts

March Market Thoughts

A few quick thoughts on the market right now.   I touched last year on diversification and how properly diversified portfolios were being rewarded at the time. Well, the trend continues.  Year-to-date, the S&P500 is up a little over 6%, ...

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Lessons on My First Anniversary

Lessons on My First Anniversary

It was just over a year ago I launched my own firm.  Indulge me while I share some lessons learned. Not all potential clients are good clients. I recently had a conversation with someone who would have been my largest ...

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Athletes, Investors, Overconfidence Effect and Jobu

Athletes, Investors, Overconfidence Effect and Jobu

I was going to write something about the NCAA tournament, the odds of picking every game correctly (1 in 9.2 quintillion), getting the Sweet 16 right (better than 1 in 900,000) and how all that compares to finding a mutual ...

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Backdoor Roth for High Income Earners

Backdoor Roth for High Income Earners

Last year I touched on the topic of why it may make sense to not automatically roll your 401k into an IRA once you leave a job.  One reason is because the fees may be higher outside of your 401k.  ...

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Black Holes and Compound Interest

Black Holes and Compound Interest

There are two great quotes attributed to Albert Einstein regarding the most powerful forces in the universe.  He described black holes as “they are where God divided by zero.”  I guess if a force is strong enough to destroy the ...

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Proliferation of Whole Life Insurance Inquiries

Proliferation of Whole Life Insurance Inquiries

I have had too many conversations recently related to one of my least favorite “investment” avenues – Whole Life Insurance (WL).  I am not sure if it is because more salespeople are trying to put customers in these products or ...

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