personal finance

Building a Home Part 1: How an ultra competitive residential real estate market led us to choose an alternate path.

Like many first time home buyers, my wife and I were left frustrated over the past year or two searching for our first home. After years of renting while she was finishing law school, we were ready to make the leap and buy our first home so we could continue building our life together. Only, […]

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Unpacking the Single-Family Housing Shortage in the United States

 We work with many young couples and growing families, and decisions around housing are a huge factor in someone’s long term financial plan. With rising interest rates and housing prices barely budging, we hear many people asking versions of these questions frequently: With all of these questions, like most things in “personal” finance, the answer

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Unraveling Wall Street Forecasts: The Troubling Tale of Stock Price Predictions

 “An economist is an expert who will know tomorrow why the things he predicted yesterday didn’t happen today.” –Evan Esar We’re now a couple weeks into 2024, and the S&P 500 just finally eclipsed its prior all-time record high reached back on January 3rd, 2022. After a brutal 2022 for markets, last year was another

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The Price of Prosperity: Balancing Economic Success with Quality of Life

US Economic dominance The United States has enjoyed a prolonged period of market dominance versus international markets. An examination of the driving forces behind this success reveals a lifestyle deeply rooted in the pursuit of work and wealth creation. While this focus has undoubtedly propelled the nation to unprecedented economic heights, there’s an inherent trade-off

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Monte Carlo Simulation: A Powerful, but Imperfect Tool

Working with financial planning clients over the years I have heard a wide range of individual goals, from providing college education and weddings for children, to purchasing vacation homes and sports cars. Every person has their own unique wants and needs shaped by their values, beliefs and attitudes. However, one goal every single person has

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Asset Allocation: Why Investor’s Tend to Lag Market Returns

Asset allocation is the selection of various assets from classes such as cash, fixed income, stocks, real estate and real assets (e.g. commodities, precious metals, and collectibles) to construct an investment portfolio to meet individual investor specific objectives (goals). The asset allocation, or asset “mix,” is different for each investor based on their objectives, and

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