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Blog

Welcome to our blog!

We want to keep things educational, fun, and easy to understand.  Clarity and Transparency are the cornerstones of how we work with clients to help them overcome any barriers to financial success. Hopefully you find our content informative and relatable. 


Monday, March 2, 2026

Gold, silver & copper power the global economy. Recent metals sell-off driven by higher yields, strong US dollar, and leveraged liquidation; silver fell most on volatility and margin hikes. Gold steadier hedge; copper tracks growth.

Monday, December 15, 2025

The Santa Claus Rally refers to the market’s tendency to rise during the last five trading days of December and first two of January. It’s a fun seasonal trend — but long-term discipline matters far more than holiday cheer.

Tuesday, October 14, 2025

Holding a large, highly appreciated stock position? Learn how covered calls and cash-secured puts can create steady income without triggering major taxes—helping you keep your winners and gain reliable cash flow.

Monday, October 13, 2025

The greatest financial risk isn’t buying the wrong stock—it’s doing nothing at all. Procrastination in financial planning leads to higher taxes, missed opportunities, and stress. From tax-smart investing and asset optimization to estate and

Wednesday, July 30, 2025

Sudden wealth from company stock can feel exciting—then overwhelming. This post explores the emotional side of a financial windfall and how to plan with clarity, not fear. Learn how to turn paper gains into lasting peace of mind.

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Wednesday, July 16, 2025

Your IPO lock-up just ended? Before you sell your company stock, use this checklist to plan wisely, manage taxes, and diversify. Protect your gains and align your shares with your bigger financial goals.

Wednesday, June 4, 2025

Ameren retirees: Your pension deposits may be MIA if you haven’t switched from Electro Savings. Here’s what to do, where to move your money, and what this surprise twist means for your retirement game plan.

Thursday, May 29, 2025

Kidnapped for Bitcoin?! With crypto crimes on the rise, it’s time to understand how Bitcoin really works—blockchain, wallets, and why your private key is everything. A beginner’s guide to digital gold (and how not to lose it).

Sunday, May 4, 2025

Whether you're still employed or have recently been affected by a reduction in force, the uncertainty of "what's next" can be overwhelming. You need to understand your vesting schedules, evaluate concentrated stock risk, check deferred ...

Friday, April 18, 2025

Benjamin the Bunny had a big dream: to retire early and hop the world, from the tulip fields of Holland to the carrot markets of California. But first, he had to grow his nest egg—literally. Risk Tolerance, Risk Capacity, and Risk Need...

Wednesday, April 9, 2025

Selling during a downturn is not a strategy—it’s a reaction. Usually, it’s a costly one. A well-designed financial plan expects volatility. It accounts for it. It even uses it—because volatility creates opportunity. But fear creates regret.

Friday, April 4, 2025

It's essential to stay focused on your long-term investment strategy and avoid making impulsive decisions based on short-term market movements. Remember, markets have weathered storms before.

Thursday, March 20, 2025

Even if your personal information is compromised in a data breach, a credit freeze can prevent it from being used to open fraudulent accounts. A credit freeze restricts access to your credit report.

Wednesday, March 12, 2025

When a significant portion of your wealth is tied to a single stock, every market movement can feel magnified. Smart option strategies can help turn market fluctuations into opportunities—generating additional income while managing risk.

Tuesday, November 28, 2023

The Internal Revenue Service recently released updated income tax brackets, standard deduction, and retirement contribution limits for the 2024 tax year. Overall, more than 60 provisions have changed. Here are a few of the most critical.

Sunday, October 22, 2023

Concentrated stock positions occur when someone has too much stock in one company for their risk tolerance. If the stock price declines, it can have a significant impact on the investor's overall portfolio. Sell, diversify, and hedging...

Friday, October 20, 2023

The best way for an employee to compare medical insurance options is to: understand your needs, compare the costs, compare the benefits, consider the provider network, read the fine print, use a comparison tool, talk to your employer.

Friday, October 13, 2023

The end of the year is a great time to review your financial plan. By taking the time to assess your current financial situation and goals, you can set yourself up for success in the new year. Here is what you should consider...

Sunday, October 1, 2023

The wash-sale rule is an IRS rule that prevents investors from claiming a capital loss on the sale of a security if they repurchase the same or a substantially identical security within 30 days before or after the sale.

Friday, September 29, 2023

The typical response is something like "I'm a fiduciary, been in the industry forever, you can trust me, etc." So how do you find the right one? You get a referral from a friend or family. And that is how we have grown so much.

Friday, June 2, 2023

There are few things in life as unconditional as a dog's love.  But did you know that some of the same principles applied to being financially successful also apply to having a dog? While personal finance and pet ownership may seem...